NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Excel Bank.

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

• All of our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as:
  • Deposit account
  • Loan account
  • Safe deposit box

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.

THE INFORMATION THAT WE COLLECT

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency
• Information we receive through our Customer Identification Program

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to 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.

YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

AUTHORIZED SHARING OUTSIDE MARKETING SERVICES

We may disclose the following information to companies that perform marketing services on our behalf:

• Information we receive from you on an application or other forms, such as:
  • Name
  • Address

Federal law allows us to disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose information about you to other outside marketing services as permitted by law.

Types of Businesses
Here are the types of businesses with whom we may disclose information for outside marketing purposes:

• Service providers that perform marketing services for us
• Direct mail companies

Reasons for Disclosing
We may disclose information about you to companies that perform marketing services on our behalf to provide our customers with information about additional products and services.