VIRGINIA SAVINGS BANK FSB

PRIVACY POLICY DISCLOSURE 

Protecting your privacy is important to us. We want you to understand what information we collect and how we use it. In order to provide you with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain information about you. The following policy serves as a standard for all our employees regarding the collection, use, retention, and security of nonpublic personal information.

"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, this includes information regarding your account balance, payment history, and overdraft history.

We may collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us or others; and
• Information we receive from third parties such as consumer reporting agencies.

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements:

• Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income;
• Information about your transactions with us or others, such as your account balance, payment history, parties to transactions, and credit card usage; and
• Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

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

Our Security Procedures

We restrict access to nonpublic personal information about you 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.