• All of our consumer customers who have a continuing relationship with us, such as:
• Deposit account
• Loan account
• Credit card

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.
We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. 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 we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control. A nonaffiliated third party is a company that is not an affiliate of ours.

THE INFORMATION THAT WE COLLECT

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency
• Information we receive through our Customer Identification Program

THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR
NONPUBLIC PERSONAL INFORMATION
We restrict access to nonpublic personal information about you to those 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 guard your nonpublic personal information.

YOUR INFORMATION AND OTHER PARTIES
We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

INFORMATION ABOUT FORMER CUSTOMERS
We do not disclose non public personal information about current or former customers, except as permitted by law.

YOUR INFORMATION AND AFFILIATES - FUTURE CHANGES
In the future, we may disclose non public personal information about you to affiliates, even though we are not doing so now. Here are the kinds of nonpublic personal information we may disclose to our affiliates:

Transaction and experience information from our account records:

• Information about your transactions and experience with us, such as
• Name
• Address
• Account balances
• Types of accounts

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

Types of Affiliates

We may disclose nonpublic personal information about you in the future to the following types of affiliates:

• Financial service providers, such as
• Securities broker-dealers
• Insurance agents

Reasons For Disclosure
Here is why we may disclose nonpublic personal information about you in the future to our affiliates:

• To provide our customers with information about additional products and services

JOINT MARKETING
We may share customer lists and disclose experience and transaction information about you to third parties that perform marketing services on our behalf or to other financial institutions, such as broker-dealers, with whom we have joint marketing agreements in order to make a variety of financial services available to you. These third parties must agree to strict confidentiality provisions to assure the protection of your information. Because we already limit the sharing of your nonpublic personal information as outlined above, no action is necessary on your part to limit such sharing.

ONLINE PRIVACY POLICY
First Personal Bank recognizes and is committed to securing the privacy of our customers' personal and financial information. Any financial transaction requires that you divulge many private financial details, and we have taken every precaution to provide you with the same level of privacy online that you receive through more traditional bank delivery channels.

What Information We Collect and How We Use It
For visitors to our Web site, we collect the IP address of your computer, the domain name that referred you to our site and the type of browser software you are using.

We also collect anonymous aggregate information on what pages our consumer’s access or visit and information volunteered by the consumer, such as survey information and/or site registrations. This information allows us to see the large-scale usage patterns of our Web site. This is accomplished without any personal or private information being recorded. The aggregate information we collect is used to improve the content of our Web site, and update our bank's product offerings.

Sharing Information
All personal and financial information collected by First Personal Bank is used exclusively for the purpose of serving your financial needs and administering our account relationships. It is not First Personal Bank's policy to sell or distribute your e-mail address or other private information without your permission. Persons who supply us with their telephone numbers may receive telephone contact from us with information regarding orders they have placed or requested. In such cases where it may be deemed necessary to access credit and repayment history, we may share certain information with a third party such as a credit bureau. This information is used strictly to assist us in making a decision regarding your financial request. We require third parties to comply with strict standards regarding security and confidentiality of such information.

Cookies
In order to provide better service, First Personal Bank will occasionally use a "cookie." A "cookie" is a small text file placed on your hard drive by our Web page server. These cookies do not collect personally identifiable information, and we do not combine information collected through cookies with other personal information to determine who you are or your e-mail address. We use cookies for a number of purposes, such as storing your password so that you do not have to input it every time you visit our site. You can set up your Web browser to inform you when cookies are sent or to prevent cookies from being sent. However, disabling cookies may reduce the functionality of certain options available through First Personal Bank's Web site.

Weblinks
We are not responsible for the collection, use or security of information by companies or organizations outside of the First Personal Bank family that may be linked to our websites. We encourage you to read the privacy policies of websites reached through the links from First Personal Bank websites.

Employee Access To Information
We have procedures that limit employee access to personally identifiable information to those employees with a business reason to know such information about you. We educate our employees about the importance of confidentiality and customer privacy through standard operating procedures, special training programs, and our policies on ethics. We take appropriate disciplinary measures to enforce employee privacy responsibilities.

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