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

What Information We Collect
We may collect “nonpublic personal information” about you from the following sources:

• Information we receive from you on applications or other loan and account forms;
• Information about your transactions with us or others; and
• Information we receive from third parties such as credit bureaus.

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

What Information We Disclose
We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities or parties in litigation in response to subpoenas or court orders, to merchants to verify checks you present in payment of goods or services, and to credit bureaus. We do not disclose nonpublic personal information about you to anyone for marketing or solicitation purposes.

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 also take steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. Employees who violate these standards will be subject to disciplinary measures. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Privacy as it Pertains to the Internet
We do not collect identification information from users visiting our web site or using our Internet Banking System. However, we do collect usage information to determine frequency and duration of access to this site. In addition, the Internet Banking System tracks the number of transactions entered by customers. All of this information is used to create summary statistics for our site and to help the bank determine better ways to service our customer’s needs.

Information submitted to the bank through e-mail or through the submission of applications is used internally to process requests and respond to customer e-mail. This information is not distributed or sold to other organizations.

Security Statement
We employ the latest in Internet Security and User Authentication to ensure that data being transmitted through the Internet Banking System is secure from unauthorized access. The methods are outlined below.

Digital IDs from VeriSign
We use digital IDs certified by VeriSign, an industry leader in digital identification certificates, to authenticate user information and provide access to the data through the system.

How do digital IDs work?
Digital IDs work off of a matched key setup where the server has a “private” key issued only to the server and a “public” key widely distributed to the bank’s customers. A digital ID requires a matched pair of keys that are unique to each other to encrypt and decrypt data. With this setup, transactions created, encrypted, and transmitted by bank customers using the public key can only be decrypted by the other key in the pair running on the server.

Secured Data Transmission
The Internet Banking System combined with digital ID authentication through VeriSign allow the server to implement Secure Sockets Layer (SSL) protocol, the standard technology for secure web-based communications. With SSL, data traveling between the bank and customer is encrypted and can only be decrypted through the pairing of the public and private key pair. SSL capability is built into server hardware and browsers, but requires a digital ID to be functional.

Server Access
Server access is protected using a firewall computer and the leading firewall software, CheckPoint’s Firewall-1. Firewall computers provide secure access to the Web Server and Checkpoint’s software by only allowing authorized traffic to hit the Server.

By combining the latest technology with authenticated access to the web server, County Bank makes your Internet Banking transactions secure.

If you have any questions or comments about our Privacy Policy, we encourage you to e-mail or write us at County Bank, 19927 Shuttle Road, Rehoboth Beach, DE 19971
(Attn: Compliance Officer).

County Bank reserves the right to make changes to this policy and to related procedures at anytime.

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