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At Benefit Bank, protecting the privacy and confidentiality of your personal information is important to each one of us. We value your business and the trust you put in Benefit Bank. To offer you the financial products and services you seek, we collect, maintain, and use information about you on a routine basis. To help you better understand how your personal information is protected here at Benefit Bank, we are providing you with the following statement describing our practices and policies with respect to the privacy of customer information. In the event you terminate your customer relationship with us, or become an inactive customer, we will continue to adhere to the policies and practices described in this notice.

As your trusted financial institution, we collect, retain, and use nonpublic personal information about individual customers, allowed by law, to provide products and services to our customers. We may collect nonpublic information from such sources such as:

• applications or other forms
• information about your transactions with us, our affiliates, or others; and
• information we receive from a consumer reporting agency.

We may disclose nonpublic personal information about you with our corporate affiliates and other non-affiliated third parties under certain circumstances to provide account services. Any nonpublic information shared is conducted in strict adherence to applicable law. We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.

We do not disclose any non-public personal information about our customers, or former customers, to anyone, except as permitted by law. We may exchange such information with our affiliates and certain non-affiliated third parties (under limited circumstances) to the extent permissible under law to service your account, report to credit bureaus, manage risk and other financial services related activities.

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. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Your confidence in us is important and we want you to know that your personal and account information is safe. If you have any q uestions or concerns, please contact us at our main office (479-484-7000).