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CONSUMER PRIVACY POLICY DISCLOSURE

Valley Bank & Trust understands the importance of privacy issues to you, our customer. We recognize that you expect us to maintain your records in a secure confidential manner. We understand the importance of safeguarding all sensitive information you entrust us with. We maintain procedures and standards that meet and beat the requirements of privacy regulations in order to prevent the misuse of such information.

We define non-public information as confidential personal records that you or third parties have provided us in reference to you, our customer. It may also come from your history with us in regards to various deposit accounts or loans.

At Valley Bank & Trust we collect nonpublic personal information about you from the following sources:

• Information you have provided to us on various applications
• Information about your transactions with us that would show up on banking statements or history sheets
• Information that we may receive from various credit reporting agencies

Valley Bank & Trust will not disclose non-public information on any customer, or former customer, to any non-affiliated third party unless permitted by law.

Valley Bank & Trust restricts access to non-public personal information about you to those team members who have a need to know such information in order to provide products and service to you. We have safeguards and procedures in place to protect this confidential information that comply with state and federal standards in order to protect your non-public personal information.

Valley Bank & Trust recommends that you take needed precautions to maintain confidentiality in your non-public personal information. Based on this, we will not be held responsible for any loss or damage you may occur based on your disclosure of such information to any third party.

The Valley Bank & Trust Privacy Disclosure is subject to applicable state and federal laws and regulations, such as the Gramm, Leach, Bliley Act. We reserve the right to amend this disclosure at any time. If we would amend the disclosure we would provide you with a copy of such change as required by laws and regulations.

Please feel free to contact our Privacy Officer at 303.659.3490, or any banking officer with questions that you may have.

Privacy statement 2007

 


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