Privacy Policy

Premier Bank recognizes the importance our customers place on privacy and the security of their personal information.  Our goal is to protect your personal information in every way that we interact with you, whether it's on the telephone, in our lobby, at one of our ATMs, or on the Internet.   

We think it is important for you to be informed of the policies, procedures, and security measures we have in place to safeguard your personal and confidential information. We have developed this policy to help you to understand the steps we take to protect your personal information.   

Collection and Use of Information
We collect general non-personally identifiable information that is generated electronically when you visit our site. This information is collected on our behalf simply for administrative, statistical, and security purposes so that we may provide services to you.  We use cookies to collect this information.

The information collected electronically and through this cookie includes the following:

* The Internet address (referral site) which brought you to our web site;
* The date and time you access our site;
* The name and version of your web browser;
* The Internet service provider you used when you accessed our site;
* Your Internet Protocol (IP) address; and
* The pages visited in our Portal.

Additional information about IP addresses and cookies are provided below.

Internet Protocol (IP) Addresses
An IP address is a number that's automatically assigned to your computer whenever you're on the Internet.  Web servers, the computers that "serve up" Web pages, automatically identify your computer by its IP address.

When collecting information for us, we do not link IP addresses to anything personally identifiable, which means that a user's session will be logged, but the user remains anonymous.

We may use IP addresses to audit the use of our site. They can and will use IP addresses to identify a user when necessary for security purposes. 

What is a Cookie?
A cookie is a very small text file sent by a web server and stored on your hard drive, your computer's memory, or in your browser so that it can be read back later.  Cookies cannot "read" information about you from your computer or be used to "steal" information about you; and cookies don't carry viruses.  Cookies are a basic way for a server to identify you (most cookies actually identify the computer you happen to be using at the time, not you personally). Cookies are used for many things from personalizing start up pages to facilitating online purchases.  Cookies help sites recognize return visitors and they perform a very important function when you engage in secure Internet banking. 

For your security, Premier Bank does not store any of your personal information in these cookies, which are further described below. 

Disclosure of Information to Third Parties
We do not disclose any nonpublic personal information about our registered portal customers or visitors to anyone, except as required by law. 

We do not sell any of your personal information.

External 3rd Party Links 
Our website has numerous links to other 3rd party sites.  These links to external third parties are offered as a courtesy and a convenience to our customers.

Be sure to check the privacy statements of any third party web site for information about their use of cookies and personal information they may collect. as you will be subject to their policies when you visit their sites.

If you have questions or concerns about the privacy policies and practices of these third parties, please review their websites and contact them directly.

Security
This financial institution has developed strict policies and procedures to safeguard your personal information. We restrict employee access to your sensitive personal information to a "need to know" basis. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We educate our employees about the importance of confidentiality and customer privacy.  We take appropriate disciplinary measures to enforce employee privacy responsibilities. We offer secure messaging services through our Internet Banking service.  You should use the secure mail service anytime you send us sensitive personal information.

Privacy of Children
This financial institution respects the privacy of children.  We do not knowingly collect names, emails addresses, or any other personally identifiable information from children.  We do not knowingly market to children.

Privacy Updates
New product releases may require changes to our Privacy Policy.  The effective date of our policy will always be clearly displayed. If we may any changes regarding the use or disclosure of your personal information, we will provide you prior notice and the opportunity to opt-out of such disclosure if required by law. 

Questions
If you would like to know what information we have collected in connection with your use of the Portal, you can contact us by phone or email, or you can visit with us in person. 

After reviewing the information, if you believe any of the information is in error, you can let us know either by phone or email, or you can or send us a letter that explains the alleged discrepancy. If the information is incorrect, we will work with you to ensure your information is promptly updated.

In addition, if you believe any information that this financial institution has collected about you has been used for an improper purpose; please contact us and explain your concerns in as much detail as possible so that we may take any appropriate action.

Effective 6/15/04