At Belt Valley Bank, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with Belt Valley Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.

INFORMATION THE BANK COLLECTS

Belt Valley Bank may collect nonpublic, personal information about you from many sources, including the following:

• Information we receive from you on applications or other forms
• Information about your transactions with us, our affiliates, or others
• Information we receive from a consumer reporting agency

"Nonpublic, personal information" refers to information we collect about you in connection with providing a product or services to you. Nonpublic, personal information does not include that which is available from government records, widely distributed media, or government-mandated disclosures.

INFORMATION THE BANK DISCLOSES

We do NOT disclose any nonpublic, personal information about you to anyone, unless:

1. You request or authorize it
2. The information will help complete a transaction initiated by you
3. The information is provided to a reputable credit bureau or similar information reporting agency
4. We are legally required to do so.

INFORMATION ABOUT FORMER CUSTOMERS

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.

PROTECTION AND CONFIDENTIALITY OF INFORMATION

Belt Valley Bank is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. Employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information and on these Privacy Principles. Because of the importance of these issues, all Belt Valley Bank employees are responsible for maintaining the confidentiality of customer information and employees who violate the Privacy Principles will be subject to disciplinary measures.

MAINTENANCE OF ACCURATE INFORMATION

We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.