Privacy Definitions

1. Affiliate--any company that controls, is controlled by, or is under common control with another company; those parties who share common ownership or employees.
2. Collect--the process of obtaining information that is organized or can be retrieved by the name of an individual, or by identifying number, symbol or other identifying particular assigned to the individual.
3. Consumer--individual who obtains or has obtained a financial product or service that is to be used primarily for personal, family, or household purposes, or that individual's legal representative. A consumer includes an individual who applies for credit, regardless of whether or not the credit is extended; and an individual who provides information in connection with obtaining or seeking to obtain financial services, regardless of whether or not the relationship is established.
4. Customer--a consumer who has a continuing relationship where one or more financial products or services are provided, that are used primarily for personal, family or household purposes.
5. Continuing Relationship--a consumer has a continuing relationship if the consumer has at least a deposit account, or obtains a loan, or holds an investment product through our bank.
6. Non-affiliated Third Party--any person or entity that is not a legal affiliate, however for the purposes of this policy, a non-affiliated third party will include but will not be limited to those parties who perform services for the bank or functions on the bank's behalf.
7. Nonpublic personal information--personally identifiable financial information; any list, description, or other grouping of consumers that is derived using any personally identifiable financial information that is not publicly available.
8. Former Customer--a customer becomes a former customer when:

• a deposit account is inactive
• the customer pays a closed end loan in full, we charge off the loan or sell the loan without retaining servicing rights
• a credit card relationship or other open-end credit relationship is no longer provided statements or notices concerning that relationship  or we sell the credit card receivables without retaining servicing rights

The bank has not communicated with the customer about the relationship for a period of 12 consecutive months, other than to provide annual privacy notices or promotional material.