WHAT DOES VALLEY BANK DO WITH YOUR PERSONAL INFORMATION?

Financial companies choose how they share your personal information.  Federal law also requires us to tell you how we collect, share, and protect your personal information.  Please read this notice carefully to understand what we do.

The types of personal information we collect and share depends on the product or service you have with us.  This information can include:

• Social security number and income
• Account balances and payment history
• Credit history and credit scores

When you close your account, we may continue to share information about you according to our policies.

All financial companies need to share customers' personal information to run their everyday business-to process transactions, maintain customers accounts, and report to credit bureaus.  In the next section, we list all the reasons financial companies can share their customers' personal information; the reasons Valley Bank chooses to share; and whether you can limit this sharing.

Sharing Practices

How often does Valley Bank notify me about their practices?

Valley Bank must notify you about its sharing practices when you open an account and each year while you are a customer.

How is my personal information protected by Valley Bank?

To protect your personal information from unauthorized access and use, Valley Bank uses security measures that comply with federal law.  These measures include computer safeguards and secured files and buildings.

How does Valley Bank collect my personal information?

We collect your personal information, for example, when you:

• Open and account or deposit money
• Pay your bills or apply for a loan
• Use your debit card

We also collect your personal information from others, such as credit bureaus, affiliates or other companies

Why can't I limit sharing?

Federal law gives you the right to limit sharing only for:

• Affiliates' everyday business purposes - information about your creditworthiness
• Affiliates to market to you
• Non affiliates to market you.

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Everyday business purposes

The actions necessary by financial companies to run their business and manage customer accounts, such as:

• Processing transactions, mailing, and auditing services
• Providing information to credit bureaus
• Responding to court orders and legal investigations

Affiliates

Companies related by common ownership or control.  They can be financial and non financial companies.

• Our affiliates include Enfield Federal Savings

Non affiliates

Companies not related by common ownership or control.  They can be financial and non financial companies.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Our joint marketing partners include credit card companies

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