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Privacy

BECAUSE YOUR TRUST IS SO IMPORTANT

Your trust is the cornerstone of our relationship. That is why we work so diligently to safeguard your privacy. The information that you provide us is kept in the strictest of confidence. We have no intentions of selling personal information about our customers to third-party businesses. We are proud to make that commitment to you, because your trust is the foundation of our business. The following privacy policy explains how we use and protect the information about our customer. We ask that you read it carefully.

Confidentiality and Security of Nonpublic Personal Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Nonpublic Personal Information We Collect

We collect nonpublic personal information about you from the following sources:
• Information we receive from you on applications or other forms
• Information we receive from a consumer reporting agency
• Information about your transactions with other parties
• Information about your transactions with us, our affiliates, or others

Nonpublic Personal Information We Disclose

We do not disclose, nor do we reserve the right to disclose, any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

Joint Marketing/Service Provider Disclosure

We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:
• Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income;
• Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions, and credit card usage
• Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

Notify Us of Inaccurate Information We Report To Consumer Reporting Agencies

Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address:
PEOPLES EXCHANGE BANK
PO BOX 4040
WINCHESTER, KY 40392

Customer Identification Requirements

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. In some cases, identification will be requested for those individuals banking with us prior to the effective date of the customer identification requirements because original documentation was not obtained with the opening of the account, or we are unable to form a reasonable that we know the true identity of the existing customer. In all cases, protection of our customer’s identity and confidentiality is our pledge to you.

Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call Peoples Exchange Bank at 1-800-364-3631.

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