Progressive Bank N.A.

As a Bank Customer, you have the right to Financial Privacy, and Progressive Bank respects this right. We never lose sight of the fact that our customers’ trust is our most treasured asset. Please read our policy concerning the protection of your Privacy carefully.

Information the Bank Collects - To provide bank services to you, we may collect “nonpublic personal information” from you from the following sources:

• Information we receive on applications, other account forms, and oral or written communications, such as your name, address, social security number, assets and income.
• Information when you open an account, make transactions or accept a service and through the administration of these accounts and services.
• Information we receive in response to requests that we make to third parties about you or to confirm information that you may have provided to us, such as your credit history in connection with credit reporting agencies.

Information the Bank Discloses - We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. Here are some examples of when we may disclose information:

• To protect against fraud
• To respond to a subpoena
• To service your account
• With your consent

Information Disclosed to Service Providers and Joint Marketers - We may disclose all of the information we collect, as described above, to a third party to perform services for the bank, including marketing the bank’s own products or those offered jointly by the bank and another financial institution.

Maintaining Confidentiality and Security of Information - Progressive Bank is committed to maintaining the confidentiality, integrity, and security of our current, prospective and former customers’ nonpublic personal information.

• We restrict access to nonpublic personal information to those employees who need to know such information for business purposes.
• Physical, electronic and procedural safeguards are in place to maintain the confidentiality of consumer information.
• We require vendors working with us to protect nonpublic customer information.

Information Provided by Web Links - We encourage you to read the privacy policies of websites reached through links to or from the Progressive Bank website. The bank is not responsible for the collection, use or security of information by companies or organizations outside of Progressive Bank that may be linked to or from our website.

Privacy with our Web Based “On-line Banking” Application - Progressive Bank’s On-Line Banking Application uses encryption technology to secure account information sent between our server and your web browser. Whenever you use our On-Line Banking services, our server responds to your transmission and encrypts the data sent by you and then Progressive Bank decrypts the transmission when we receive it. Progressive Bank, N.A. also employs safeguards in firewalls and routers that are designed to protect your accounts from unauthorized access from outside the bank. We also maintain a vendor relationship with Jack Henry & Associates for our On-Line banking customers. Their general policy on privacy states that account information is treated as confidential information. Jack Henry’s policy provides that they will disclose information to third parties about your account or transfers in the following situations:

• When account holder permission is given to do so, or when it is necessary to complete a transfer.
• Verify the existence & condition of your account to a third party, such as a credit bureau or merchant.
• To comply with a court order or other legal requirements.

Contact Information - If you have questions or concerns about privacy and confidentiality, please contact:

• The manager at any of our Progressive Bank locations, or
• Call us toll free at 1-866-235-1923, or
• Visit the “Contact Us” tab on our website at www.progbank.com