Berkey Bank
Our bank is committed to providing the highest level of security and privacy regarding the collection and use of our online banking customers personal information, as well as that of all visitors to our web site. Personal information may be collected through the submission of account applications, online banking transactions, or through the use of online financial tools such as interactive calculators. A detailed description of State Bank of Downs/Berkley Bank Online Banking Privacy Policy is provided below. If you have additional questions regarding the privacy of your personal information, contact us.

RESPECT OF RIGHT TO PRIVACY
State Bank of Downs/Berkley Bank respects your right to privacy and takes every precaution to provide you with the same level of privacy within our virtual branch that you receive through more traditional bank delivery channels.

COLLECTION AND USE OF PERSONAL INFORMATION
The collection of personal information online is designed to protect access to your personal accounts and to assist the bank in providing you with the products and services you want and need. All personal information collected and stored by the bank is used for specific business purposes-to protect and administer your personal accounts and transactions, to comply with state and federal banking regulations, and to help the bank better understand your financial needs in order to design or improve our products and services.

SECURITY OF YOUR INFORMATION
GeoTrust issued Digital ID for the web server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic are utilized to protect data for the bank and for you, our customer. Two ways to see that you are on a secured web site:

1. Look for the padlock in the lower right (Internet Explorer) or left (Netscape) corner of your browser window; and

2. Look in the address window above, the letters https:// should appear in the front of the address of the form screen (instead of the non-secure http:// address)

Security Note - E-mail Messages
If you are sending electronic mail (e-mail) to the bank or any of our bankers, we want to remind you that e-mail is different from a "secured" Internet page and is not necessarily secure against interception. If your information is of a sensitive nature or includes personal and confidential information - such as your bank account, charge card or social security number - we advise you to either send it by postal mail or call our convenient banking location.

LIMITED EMPLOYEE ACCESS TO PERSONAL INFORMATION
State Bank of Downs/Berkley Bank limits employee access to your personal information to only those bank administrators with a business reason for knowing such information. State Bank of Downs/Berkley Bank also educates all employees about the importance of confidentiality and customer privacy. In addition, individual user names and passwords are used by approved bank personnel to access your personal information online, providing audit trails to further safeguard the privacy of your personal information.

THIRD PARTY DISCLOSURE RESTRICTIONS
State Bank of Downs/Berkley Bank follows strict privacy procedures in regard to protecting your personal information. In addition, the bank requires all third parties with a business need to access this information to adhere to similar and equally stringent privacy policies. Personal information may be supplied to a third party in order to process a customer transaction; if the customer requests it; the disclosure is required or allowed by law (i.e. exchange of information with reputable reporting agencies, subpoena, or the investigation of fraudulent activity, etc.); or for marketing purposes of which the customer has been previously informed and has been given the opportunity to decline.

DISCLOSURE OF PRIVACY POLICIES
State Bank of Downs/Berkley Bank is committed to ensuring the privacy of its customers' personal information. For more information regarding the State Bank of Downs/Berkley Bank Online Banking Privacy Policy, contact us.

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