At Rumson-Fair Haven Bank & Trust Company we are committed to maintaining the confidentiality, security and integrity of personal information you share with us. We are proud of our privacy practices and would like to take this opportunity to let you know how we safeguard and use your personal information. Our bank complies with Section 326 of the USA Partriot Act. This law mandates that we verify certain information about you while processing your application.

The Information We Collect

In connection with providing a financial product or service to you, Rumson-Fair Haven Bank & Trust Company obtains information about you which is considered "nonpublic personal information".

We may collect nonpublic 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, date of birth, e-mail address, and credit information such as assets and income,
• information we receive from consumer reporting agencies, such as your creditworthiness and your payment history,
• information about your transactions with us or others, such as account balances, account activity and payment history,
• information received through other interactions with us, such as conversations with our staff.

We will limit the use and collection of information about our customers to that which is necessary to administer our business, provide efficient customer service and identify opportunities that may be of interest to our customers.

What Information We Disclose

Rumson-Fair Haven Bank & Trust Company does not disclose nonpublic personal information about our customers except as permitted or required by law.

We are permitted under law to disclose nonpublic personal information about you to third parties in certain circumstances. For example, we may share information as follows:

Financial Providers:

• to give account information to check and statement printers and other service providers who work for us, 
• to perform a transaction.

Credit Report Agencies:

• to provide information to protect against fraud,
• to report account activity to consumer reporting agencies.

With Your Concent

Regulatory Authorities and Law Enforcement Officials

• subpoenas, court orders, etc.

We may also disclose all of the information we collect as described above to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. When providing nonpublic personal information to such companies, we require, through a written contract, that they adhere to similar privacy principles that provide for keeping information confidential, and that they limit the use of the information exclusively to the purposes for which the information was disclosed or as otherwise permitted by law.

We do not sell customer lists or individual customer information.

If we decide to change our policy on sharing or disclosing information, we will inform you first and give you the opportunity to "opt-out" if appropriate.

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

Our Security Procedures and Maintenance of Accurate Information

We also take steps to safeguard customer information. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information. We restrict access to your nonpublic personal information to those employees who need to know that information to provide products and services to you. All employees are educated on the importance of maintaining the confidentiality of customer information and these privacy guidelines.

We also require user names and passwords, as well as the use of data encryption and firewalls, to help ensure that your transactions on the Internet are secure. We recommend that your password be comprised of both alpha and numeric characters for additional security. This password should be protected at all times and you should not leave your computer unattended when logged on to Internet banking.

We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you please notify us. We will investigate your concerns and correct any inaccuracies.

Our privacy policy may change over time. If we do make any changes, we will inform you as required by law. If you have any questions about this privacy notice or about how Rumson-Fair Haven Bank & Trust Company protects your confidential information, please contact us.