At Alliance Bank, maintaining our customers’ trust and confidence is a high priority. That’s why we want you to understand how we protect your privacy. This notice summarizes our policies and practices regarding the collection, use, retention, and safeguarding of nonpublic personal information concerning those customers of ours who obtain a financial product or service from us that is to be used primarily for personal, family, or household purposes.

What Information 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, or others; and
· Information we receive from a third party, such as a consumer reporting agency.

“Nonpublic personal information” is information about you that we may obtain in connection with providing a financial product or service to you that is not publicly available. This could include information such as name, social security number, address, income, account balances, payment history and overdraft history.

What Information We Disclose

We do not disclose nonpublic personal information about our customers to any affiliates or to any third parties, except as permitted by law. We are permitted under law to disclose nonpublic personal information about you to our affiliates and third parties in certain circumstances. For example, we may provide information:
· As necessary to effect, administer or enforce a transaction requested or authorized by the customer, or in connection with servicing a product or service requested or authorized by the customer.
· For required information risk control or for resolving customer disputes or inquiries.
· To consumer reporting agencies as permitted under the Fair Credit Reporting Act.
· To comply with federal, state or local laws and other applicable legal requirements.
· To comply with a properly authorized civil, criminal, or regulatory investigation, or subpoena or summons by federal, state or local authorities.

Alliance Bank does not sell customer information. We share information, as described above, only as necessary to service or maintain your account with us, when specifically authorized by you, or when required by the government.

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

Our Security Procedures

We restrict access to your nonpublic personal information to those of our 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 protect your nonpublic personal information.

Customer Identification Program

On September 11th, 2001 our lives changed forever when our country was attacked. In an effort to protect you and our country the USA Patriot Act was signed into law on October 26, 2001.

To help the government fight the funding of terrorism and money laundering activities, this law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you:

When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We will also ask to see your driver’s license and/or other identifying documents.

Protection of our customer’s identity and confidentiality will continue to be of utmost importance to Alliance Bank as we proudly support all efforts to protect and maintain the security of our country.