S & C Bank

PRIVACY OF CONSUMER FINANCIAL INFORMATION

At S&C Bank, the basis of each customer relationship is trust. Protecting your privacy is important to us. You have chosen to do business with S&C Bank, and we are obligated to honor that relationship with great care, beginning with the information you share with us. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all S&C Bank employees for collection, retention, and security of nonpublic personal information.

What Information We Collect

We collect, retain, and use information about you only when we reasonably believe it will help administer our business or provide products, services, and other opportunities for you. We use information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve products and services; and to understand your financial needs and to provide you with quality products and superior service. In addition, we may disclose all the information we collect, as described below, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements.

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, or others; and
Information we receive from a consumer reporting agency.

"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history.

What Information We Disclose

We are permitted under law to disclose nonpublic information about you to third parties in certain circumstances. For example, we may disclose nonpublic information about you to third parties:

when you request or authorize it:
the information is provided to help complete a transaction initiated by you;
to assist us in servicing your loan or account with us;
when the disclosure is permitted or required (for example, in response to a subpoena); and
the information is provided to credit bureaus or similar credit reporting agencies.

We do not disclose any nonpublic personal information about you to any other third parties, except as permitted by law.

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

Data Collection

When you visit our site to view any pages, read product information, or use our on-line calculators and tools, you do so without telling us who you are and without revealing any personal information. While we do not collect identifying information about our visitors to our site, we do use standard software to collect information for the purpose of tracking activity on our site. This allows us to better understand how many people use our site and which pages and features are most popular. It is our hope, with the changes we make to our site with this data, users will find our website useful and informative.

Links to External Sites

The S&C Bank website provides links to other websites for convenience and informational purposes only. Users should be aware that when they select a link on our website to an external website, they are leaving S&C Bank’s website. Linked sites are not under our control, and we are not responsible for the contents contained in the linked site. We can not be responsible for data collection and use practices on linked sites. Please refer to that site’s privacy policy for specifics regarding how they use your information. The inclusion of a linked site does not imply endorsement by S&C Bank of the site, its content, advertisers, or sponsors.

Our Security Procedures

We have procedures to help ensure that your financial information is accurate, current, and complete in accordance with commercial standards. We also have procedures to respond to your requests to correct inaccurate information in a timely manner. We restrict access to your personal and account information to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Banking on-line is no exception, we’re taking all the necessary precautions to assure your accounts are safe, and that no one has access to them but you and anyone you authorize. For your protection we use encryption to secure your online banking sessions. Encryption turns all internet communications between you and S&C Bank—from your password to your money transfer requests—into a string of unrecognizable data. Only S&C Bank and your computer can decode the information. This process safeguards your banking session from intruders.

Email is not a secure transmission route. Thus we ask that you never send sensitive personal information like Social Security Numbers, Account numbers, or any type of password via email to S&C Bank. S&C BANK WILL NEVER SEND YOU AN UNSOLICIATED EMAIL REQUESTING VERIFICATION OF SENSITIVE INFORMATION. IF YOU RECEIVE AN EMAIL THAT REFERENCES S&C BANK AND IS REQUESTING VERIFICATION OF SENSITIVE INFORMATION PLEASE FORWARD IT TO SANDCINFO@SANDCBANK.COM AND CONTACT YOUR LOCAL FINANCIAL INSTITUTION.

We educate our employees about the importance of confidentiality and customer privacy through standard operating procedures, special training programs, and the S&C Bank "Code of Ethics". We take appropriate disciplinary measures to enforce employee privacy responsibilities.

At S&C Bank, we value our customer relationships. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how S&C Bank protects your confidential information, please call or stop by your local branch or e-mail us at SandCinfo@SandCBank.com.

Approved by the S&C Bank Board of Director’s on: August 4, 2006



	PRIVACY POLICY
	PRIVACY OF CONSUMER FINANCIAL INFORMATION At S&C Bank, the basis of each customer relationship is trust. Protecting your privacy is important to us. You have chosen to do business with S&C Bank, and we are obligated to honor that relationship with great care, beginning with the information you share with us. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all S&C Bank employees for collection, retention, and security of nonpublic personal information. What Information We Collect We collect, retain, and use information about you only when we reasonably believe it will help administer our business or provide products, services, and other opportunities for you. We use information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve products and services; and to understand your financial needs and to provide you with quality products and superior service. In addition, we may disclose all the information we collect, as described below, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. 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, or others; and Information we receive from a consumer reporting agency. "Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history. Back To Top What Information We Disclose We are permitted under law to disclose nonpublic information about you to third parties in certain circumstances. For example, we may disclose nonpublic information about you to third parties: when you request or authorize it: the information is provided to help complete a transaction initiated by you; to assist us in servicing your loan or account with us; when the disclosure is permitted or required (for example, in response to a subpoena); and the information is provided to credit bureaus or similar credit reporting agencies. We do not disclose any nonpublic personal information about you to any other third parties, except as permitted by law. If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice. Data Collection When you visit our site to view any pages, read product information, or use our on-line calculators and tools, you do so without telling us who you are and without revealing any personal information. While we do not collect identifying information about our visitors to our site, we do use standard software to collect information for the purpose of tracking activity on our site. This allows us to better understand how many people use our site and which pages and features are most popular. It is our hope, with the changes we make to our site with this data, users will find our website useful and informative. Links to External Sites The S&C Bank website provides links to other websites for convenience and informational purposes only. Users should be aware that when they select a link on our website to an external website, they are leaving S&C Bank’s website. Linked sites are not under our control, and we are not responsible for the contents contained in the linked site. We can not be responsible for data collection and use practices on linked sites. Please refer to that site’s privacy policy for specifics regarding how they use your information. The inclusion of a linked site does not imply endorsement by S&C Bank of the site, its content, advertisers, or sponsors. Back To Top Our Security Procedures We have procedures to help ensure that your financial information is accurate, current, and complete in accordance with commercial standards. We also have procedures to respond to your requests to correct inaccurate information in a timely manner. We restrict access to your personal and account information to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. Banking on-line is no exception, we’re taking all the necessary precautions to assure your accounts are safe, and that no one has access to them but you and anyone you authorize. For your protection we use encryption to secure your online banking sessions. Encryption turns all internet communications between you and S&C Bank—from your password to your money transfer requests—into a string of unrecognizable data. Only S&C Bank and your computer can decode the information. This process safeguards your banking session from intruders. Email is not a secure transmission route. Thus we ask that you never send sensitive personal information like Social Security Numbers, Account numbers, or any type of password via email to S&C Bank. S&C BANK WILL NEVER SEND YOU AN UNSOLICIATED EMAIL REQUESTING VERIFICATION OF SENSITIVE INFORMATION. IF YOU RECEIVE AN EMAIL THAT REFERENCES S&C BANK AND IS REQUESTING VERIFICATION OF SENSITIVE INFORMATION PLEASE FORWARD IT TO SANDCINFO@SANDCBANK.COM AND CONTACT YOUR LOCAL FINANCIAL INSTITUTION. We educate our employees about the importance of confidentiality and customer privacy through standard operating procedures, special training programs, and the S&C Bank "Code of Ethics". We take appropriate disciplinary measures to enforce employee privacy responsibilities. At S&C Bank, we value our customer relationships. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how S&C Bank protects your confidential information, please call or stop by your local branch or e-mail us at SandCinfo@SandCBank.com. Approved by the S&C Bank Board of Director’s on: August 4, 2006 Back To Top










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