YOUR PRIVACY
We recognize our obligation to keep your personal information secure and confidential.

This policy covers customer information; non-public, personally identifiable information about you and your current or former relationship with Albina Community Bank. This policy is provided to you as required by the Federal Financial Privacy Law.*

OUR COMMITMENT TO YOU
We do not share our current or previous customers' non-public information with affiliates or with non-affiliated third parties except as permitted or required by law.

• We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you or to maintain those products or services. Our employees are bound by a code of ethics requiring confidential treatment of customer information and are subject to disciplinary action if they fail to follow this code.

• We maintain physical, electronic and procedural safeguards that comply with Federal standards designed to protect customer information. Our security standards and procedures are continually tested to verify the integrity of our systems.

You can count on us to protect the privacy and security of your customer information, and to provide you with the responsive, professional service you expect.

INFORMATION COLLECTION & USE
We routinely collect and retain the information we obtain from your account applications, transaction history(for deposits, loans, credit cards, etc.) and from consumer reports. This information helps us:

• To set up and administer your accounts;
• To comply with reporting and other legal requirements; and
• To better understand your needs so that we may offer you additional or improved products and services.

INFORMATION SHARING WITH NONAFFILIATED THIRD PARTIES AS PERMITTED BY LAW
We are permitted by law to share all the information we collect, as described above, with (1) companies that perform marketing services on our behalf and (2) with other financial institutions with whom we have joint marketing arrangements.

For example, we may share information with vendors through whom we offer products such as credit cards. We may also share all the information we collect, as described above, with other nonaffiliated third parties that assist us with preparing monthly statements, and with the processing and printing of checks. Other parties in this category include credit-reporting agencies, that we report information to about your transactions with us.