Valley Business Bank Privacy Policy

We want you to know: Valley Business Bank has been committed to safeguarding our customers' privacy since opening our doors in 1996. Our privacy policy, described below, applies not only to written files, but also to personal information you provide us through transactions you conduct by telephone, or when you send us E-mail.

Collection of Customer Information: We collect and retain information about you to identify and communicate with you, to provide you with products and services you have requested, to help us respond to your questions, and to inform you about other financial services that may be of interest to you.

We collect the following types of non-public personal information about you from the following sources:

• Information we receive from you on applications or other forms, such as your name, address, social security number, and driver's license numbers;
• Information about your transactions with us, such as your account balance, loan payment history, or ATM or debit card usage;
• Information that we receive from a consumer-reporting agency, such as your credit history and creditworthiness.

Disclosure of Information: We do not disclose non-public personal information about you or our former customers to nonaffiliated third parties, except as permitted or required by law. We normally disclose information:

• When you authorize us to;
• When it is necessary to complete your transaction;
• To verify the existence and condition of your account for a third party, such as a merchant, another financial institution or a credit reporting agency;
• To an account verification service, in addition to a credit reporting agency, if we close your account due to unsatisfactory handling, including fraudulent or criminal activity;
• To comply with a law, regulation, legal process, or court order which applies to us;
• In response to an inquiry about sufficient funds to cover a check you have written;
• To other companies or financial institutions involved in processing your transactions on our behalf, and
• To effect, administer, or enforce transactions that you have requested or authorized.

When it is necessary to provide confidential customer information to a third party, we require each business that we select to agree to adhere to the same privacy standards, laws and regulations that apply to us.

Maintenance of Accurate Information: We have established procedures to help assure that your financial information is accurate, current, and complete in accordance with commercial standards. We also have procedures in place to respond to your request to correct inaccurate information in a timely manner. We maintain security standards and procedures to help prevent unauthorized access to confidential customer information, and we regularly test our procedures to insure strict compliance. We investigate your inquiries about information received from us (or from a credit bureau reflecting information we have provided) that you believe to be inaccurate and we take steps to correct information we determine to be incorrect.

Former or Inactive Customers: If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this policy.

Our Employees Access and Use of Customer Information: Valley Business Bank restricts access to your personal and account information to those employees who need to know that information in order to properly carry out his or her job responsibility. This includes the ability to provide products or services to you, or to provide account maintenance as necessary. Valley Business Bank maintains physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information.

This disclosure of our privacy policy applies to consumers. We reserve the right to make changes to this policy at any time. We will notify our customers when changes to this policy take place.

VALLEY BUSINESS BANK ONLINE PRIVACY STATEMENT

Customers may have special privacy concerns regarding Valley Business Bank’s services on the Internet. Valley Business Bank is equally concerned about customer privacy in electronic commerce and is committed to its protection. Valley Business Bank’s Privacy Policy applies in its entirety to anything customers might do at our Web Site.

We want you to know that when you visit our web site, your visit will remain anonymous unless you sign in to our secure Internet banking site. We do not collect personal identifying information about visitors to our site.

We do collect standard statistical information regarding our site usage. For example, our servers will collect non identifying information about visitors to our website. From that information we can then determine the date and time of visits, and the geographic location of our visitors.

When you communicate with us via e-mail, the identifying information (i.e. your name and address) will only be used to communicate with you in order to handle your request. We do not sell or transfer any of this information to non affiliated third parties. We do request that when you send us your e-mail, do not provide any sensitive information within your message such as social security numbers or bank account numbers.

We also invite you to review the section on our site entitled “Avoiding Identity Theft”.

Valley Business Bank is committed to protecting your privacy.

COOKIES

Defined: Cookies are messages a web server gives to a web browser. The message contains information that is then stored on the customer’s computer and sent back to the server when the customer’s browser requests information from the server.

Usage: Cookies are used to enhance customer convenience. It is a way for a secured server to establish a logon or session ID each time a customer authenticates connectivity. Cookies can only be read by the server that has sent the cookie to the browser. They cannot be used to retrieve any information from the customer’s computer that has not been given directly by the customer to the server. Computer viruses cannot be transmitted through cookies.

Valley Business Bank Cookie: Valley Business Bank’s Internet Banking Service uses a secure cookie to allow the maintenance of continuity in a series of requests and responses. Valley Business Bank will at all times treat the information supplied through those cookies with the same security and privacy protection as any other customer information we receive.