CUSTOMER PRIVACY POLICY 

Disclosure of Nonpublic Personal Information

The Board of Directors of Fidelity Bank, National Association, is committed to complying with all consumer and commercial laws and regulations.  In November 1999, Congress passed the Gramm-Leach-Bliley Act, related to the privacy of bank customer information.  That Act becomes effective July 1, 2001.  This policy sets forth the general guidelines set by the Bank to protect the security and confidentiality of its customers’ “nonpublic personal information”.

General Statement

The Board of Directors recognizes the responsibility of the Bank and its employees to safeguard the financial records and personal information of the institution’s customers, and the Bank employees. 

The term customers shall include all consumer customers who have a continuing relationship with the Bank such as:  Deposit account, Loan account, Credit card, Safe deposit box, Retail installment contract we hold and service, financial, investment, or economic advisory services (for a fee) or home mortgage brokerage.

The term Nonpublic personal information shall mean information about the customer that the Bank collects in connection with providing a financial product or service to a customer.  Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An Affiliate is a company the Bank owns or controls, a company that owns or controls the Bank, or a company that is owned or controlled by the same company that owns or controls the Bank.  Ownership does not mean complete ownership, but means owning enough shares to exert have control.

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

The Bank collects nonpublic personal information about customers from the following sources:

• Information received on applications or other forms
• Information about transactions with the Bank
• Information about transactions with nonaffiliated third parties
• Information from a consumer reporting agency

The Bank will NOT disclose any nonpublic personal information about any customer or Bank employee, to anyone, except as permitted by law.  The Bank restricts access to nonpublic personal information about customers to those employees who need to know that information to provide products or services to customers.  The Bank maintains physical electronic, and procedural safeguards that comply with federal standards to guard nonpublic personal information.  The Bank will not disclose nonpublic personal information about former customers, except as permitted by law.

Any comments or complaints about this policy, or any privacy-related issue may be made by contacting: