Keystone Community Bank and Subsidiaries, Privacy Policy

At Keystone Community Bank, Keystone Mortgage Services, LLC, Keystone Premium Finance, LLC, and ("the company"), we do everything we can to protect the privacy of consumers and our customers, including those who visit our Web site. We value your time and your interest in our organization. We place a high priority on ensuring the security and privacy of data pertaining to each consumer. The Company is aware that as customers, you have entrusted us with your financial information and accounts, and also have shared personal information with us.

The Company's Consumer Data Protection and Privacy Practices

The Company's board of directors and staff believe it is important to inform you of the data protection and privacy practices that we have instituted, which include:

1. Established specific security protection practices to ensure privacy of information
2. Defined control methods to limit access to consumer information
3. Formalized procedures and processes to ensure the maintenance of accurate information
4. Established procedures and restrictions on disclosure of customer account information
5. Defined standards for consumer data collection, use, and methods of storage
6. Required consumer data privacy covenants in third-party service and business arrangements
7. Ensured our staff is committed to protect a consumer's right to data privacy
8. Disclosed to our customers our privacy benchmarks and provided an overview of institution privacy practices

To ensure that we successfully accomplish these priority practices, as an organization we have:

• Established formal guidelines for management and staff to ensure the protection of consumer data and staff awareness of data privacy are top priorities
• Developed and provided to potential and existing customers a detailed notice about our data protection and privacy policy and practices
• Established guidelines to ensure proper procedures and controls are in place to address those situations required by law when we must disclose nonpublic personal information about you
  Our Web Site

When you visit our Web Site at www.keystonebank.com, we want you to feel secure that we are respecting your privacy. The only private information we have about you is the information you choose to give us (such as providing feedback). We do not release that information to others.

We may use "cookies" on some pages of our Web Site for the purpose of serving you better when you return to our site. A cookie is a small element of data that a Web site can send to your browser, which may then be stored on your system. Data collected from cookies helps us determine how many people visit certain pages, ultimately enabling us to improve our site design and content. If you prefer, your Web browser can be set to provide you a notice before you accept a cookie.

E-Banking

Each customer who has requested Keystone OnLine with our bank has been provided an authorized username and password. Our online banking product is provided to us by Information Technology Inc. (ITI) and uses 128-bit encryption. We use these combined security controls to not only protect our online banking customers, but also limit the risk to unauthorized data access or security problems. If someone wants to use this service, they can submit an application in person at any Keystone office, personal accounts can sign-up on-line at www.keystonebank.com or call 269.553.9100 for more iinformation.

E-Mail

An e-mail you send us that is general in nature and our response are generally not secure. For information you want to remain secure, please drop off the information in person at any Keystone office or call 269.553.9100 for more information.

The consumer data protection/privacy notice serves as a reference guide for consumers, customers, bank staff, and management regarding the protection of your data and your privacy.

Accuracy of Information

Every effort is made to ensure our records of your information are complete and correct. If an error is noted on your statement or in any other communication from us, please contact us at the number listed on your account materials as soon as possible.

The Collection and Use of Information

We need to collect information about you to conduct our business relationship. However, in order to protect your information, we maintain and enforce strict security procedures.

We collect nonpublic personal information about you from various sources including:

• Information we received from you on applications or other forms
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from a consumer reporting agency

We do not disclose any nonpublic personal information about you to anyone, except as permitted by law. The Company does outsource various activities to third parties in order to process routine banking transactions that you authorize. Contractual agreements are in place with those vendors that prohibit them from "redisclosing" any information, except where permitted by law.

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 notice.

We collect only the information necessary to deliver quality products and services to our customers. Only authorized and trained employees have access to customer information. We also are continually assessing new technology, as it becomes available, to continue to best protect your privacy.

How to Contact Us

If you would like additional information, or have questions regarding the Company's Privacy Policy, please telephone us at 269.553.9100 or send us an e-mail to downtown@keystonebank.com. You may also write us or stop by any Keystone office and discuss your questions with one of our staff.

Adopted by Keystone Community Bank: May 1, 2005

© Copyright 2005 • Privacy Policy