What Information We Collect

We may collect "non-public personal information" about you from the following sources:

• Information we receive from you on applications or other loan and account forms.

• Information about your transactions with us and with others.

• Information we receive from third parties, such as credit bureaus.

• Information we receive when you access our web site.

"Non-public personal information" does not include information that is available from public sources such as telephone directories or government records. For example, non-public personal information includes information regarding your account balance, payment history and overdraft history.

Information We Share

We are permitted under law to disclose non-public personal information about you to third parties in certain circumstances. For example, we may disclose non-public personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus. We may also disclose information about to financial service providers such as check printers or companies who provide life insurance in conjunction with your checking account. We do not disclose any non-public personal information about you to anyone, except as permitted by law.

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

Our Security Procedures

We also take steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. Employees who violate these standards will be subject to disciplinary measures. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information.

INTERNET PRIVACY DISCLOSURE

Protecting your financial and personal information is very important to you. That is why the Vision Bank, NA has adopted a "Privacy Policy" that outlines what the bank is doing to protect your privacy. For our customers and others who visit our web site, this disclosure will show you how we handle your visit. If you visit our site to read or download information
We may collect and store the following information about you:

The name of the domain from which you access the Internet;

The date and time you access our site;

The Internet address of the web site from which you linked directly to our site.

This information tells us how many visitors are accessing different areas of our web site so we can make our site more useful. We will not sell or otherwise knowingly provide this information to a non-affiliated third party.

If you identify yourself by sending a email:
We will collect and retain only information you voluntarily choose to send us. This information will be used in various ways to help the bank plan and develop products and provide services to our customers and potential customers. A complete description of how we handle personally identifiable customer information is contained in our Privacy Policy.