Protecting your privacy is important to Martinsburg Bank and Trust 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 Martinsburg Bank and Trust 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, our affiliates or others; and
• Information we receive from third parties such as credit bureaus.

“Nonpublic personal information” is information about you that we collect in connection with providing a financial product or service to you, at your request.  Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An “affiliate” is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us.  Ownership does not mean complete ownership, but means owning enough to have control.

What Information We Disclose

We are permitted under law to share information about our experiences or transactions with you or your account with companies related to us by common control or ownership (“affiliates”). Information that we may share with an affiliate includes name, address, social security number, account balances, account activity, types of accounts, payment history, deposit history, and parties to the transaction.  Prior to any use of information obtained from an affiliate to make a solicitation to you, you will be given notice and the opportunity to opt out of such solicitation.

We also are permitted under law to disclose nonpublic personal information about you to “nonaffiliated third parties” (i.e., third parties that are not members of our corporate family) in certain circumstances.  For example we may disclose nonpublic personal information about you to such third parties to assist us in servicing your loan or account with us; to government entities in response to subpoenas; and to credit bureaus.  We do not disclose any nonpublic personal information about you to any other third parties, except as permitted by law.

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.

Confidentiality and 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. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.