We respect your right to confidentiality and take every possible measure to ensure that your personal information remains personal.  We will only share nonpublic personal information with our affiliate Valley Wealth Management, with nonaffiliated third party service providers and companies that perform marketing services on our behalf or on our behalf with another financial institution or a financial institution with whom we have joint marketing agreements in the normal course of business and as permitted or required by law.  We are committed to protecting your privacy.

• Categories of Information That We May Collect
• Categories of Information That We Disclose
• Categories of Nonaffiliated Third Parties to Whom we Disclose
• Service Provider/Joint Marketing Agreements
• Other Third Parties and by Law
• Sharing Information with our Affiliates
• Employee Access
• We Have Established Security Safeguards

Online Privacy Statement

• Your Privacy
• Respect of Right to Privacy
• Collection and Use of Personal Information
• Account Information Accuracy
• Information Reported to Consumer Credit Reporting Agencies
• Web Site Privacy
• Children's Online Privacy & Protection

Categories of Information That We May Collect
The amount of information we collect about you depends on the complexity of your relationship with us. We may collect "nonpublic personal information" about you from the following sources:

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

"Nonpublic personal information" is nonpublic information about you that we may obtain in connection with providing a financial product or service to you.

Categories of Information That We Disclose
We may disclose all of the information that we collect about our customers or former customers as described above in the Categories of Information That We May Collect as permitted or required by law.

Categories of Nonaffiliated Third Parties to Whom we Disclose
We may disclose all of the nonpublic information that we collect as described above in the Categories of Information That We May Collect section to the following types of third parties with whom we have agreements with to offer you financial services we do not provide or provide services on our behalf. We only provide them with information necessary to fulfill their responsibilities or to provide a financial service to you. These companies are prevented from using this information for their own purposes or selling this information to others.

Service Provider/Joint Marketing Agreements

• Companies that perform marketing services on our behalf or on our behalf with another financial institution or a financial institution with whom we have joint marketing agreements to offer, endorse or sponsor a financial product or service in the normal course of business.

Other Third Parties and by Law

• Nonaffiliated third party service providers (check printing, data processing, credit card).
• Third parties that provide services necessary to effect, administer or enforce a transaction that you request or authorize (servicing/processing a financial product or service).
• As permitted or required by law (subpoena, fraud, dispute, consumer reporting agency).

Sharing Information with our Affiliates
There may be financial products and services from our affiliate (Valley Wealth Management) which we think may benefit and be of interest to you and to be able to offer them we may need to share your information with our affiliate. We are permitted under law to share information about our experiences or transactions with you or your account (such as your account balance and your payment history with us) with companies related to us by common control or ownership (affiliates). We also may share additional information about you or your account (such as information we receive from you in applications and information from credit reporting agencies) with our affiliates.

You may direct us not to disclose to our Valley Bank affiliate(s) information that does not relate solely to our or our affiliates' experiences or transactions with you or your account (such as the application information, employment or credit history and credit bureau information) by visiting any of the Valley Bank branches to complete the privacy opt-out form or by mailing us a completed opt-out notice form (Opt-Out form). We will treat an opt-out direction by one of the joint consumers on an account as applying to all of the associated joint consumers on that account.

Employee Access
We limit employee access to "nonpublic personal information" to employees with a business reason for knowing such information. We educate our employees to understand the importance of safeguarding your information.

We Have Established Security Safeguards
We maintain physical, electronic and procedural safeguards that comply with federal standards to guard against the incidental release of any "nonpublic personal information".

Online Privacy Statement

Your Privacy
Valley Bank is committed to 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 our visitors to our web site. Personal information may be collected through the submission of account applications and online banking transactions.

Respect of Right to Privacy
Valley Bank respects your right to privacy and takes every precaution to provide you with the same level of privacy through our online services that you receive through other traditional bank delivery channels. When you provide personal information in order to process your transaction, you fully expect your data to be used for its intended purpose and to be kept confidential. Applications may be opened and processed only by approved personnel.

Collection and Use of Personal Information
All personal information collected and stored by the bank is used for specific business purposes, to protect and administer your personal accounts and transactions, and to comply with the state and federal banking regulations. Collection of personal information online is designed to assist the bank in providing you with the products and services you want and need.

Certain personal information about visitors to this web site is being collected by Valley Bank. Personal information is collected from you at the time an application for a loan or deposit account is submitted to the Institution, at the time transactions are conducted through the online banking service and at the time information is provided by you via email.

The bank may use a software "cookie" when accessing our online banking products. A "cookie" is a small piece of information which a web site stores in the web browser of your PC and uses later to identify your PC's previous logon history. A "cookie" cannot be read by a web site other than the one that set the "cookie". You can set your web browser to inform you when "cookies" are set or to prevent "cookies" from being set. No "cookie" will contain any information that would enable anyone to contact you via telephone, email or US Mail.

Employing stringent security measures in the collection of your personal information, all Valley Bank online applications are submitted utilizing encryption via a security protocol called a Secure Sockets Layer. Implementation of the SSL security protocol on the Web server and customer browser ensures authenticated data has been received from the customer. In addition, firewall technology is in place to provide further access controls.

Account Information Accuracy
We strive to maintain complete and accurate information about you and your accounts. Should you wish to review, update or correct any information specific to an account relationship, you should direct such inquiries to our nearest branch. You can also contact us via e-mail customerservice@myvalleybank.com and we will forward to you any necessary forms or information.

Information Reported to Consumer Credit Reporting Agencies
Under the Fair Credit Reporting Act, you have the right to notify us if you believe we reported inaccurate information about your account to any Consumer Reporting Agency. Notification should be in writing and must include your name, address, social security number, telephone number, account number and the specific item that you are questioning should be clearly identified. Notices should be sent to Valley Bank, PO Box 2740, Roanoke, Virginia 24001-9904 Attn: Loan Operations Officer. We will investigate your concerns, correct any inaccuracies, and advise you of the action taken.

Web Site Privacy
Valley Bank has implemented technology to help assure that any non-public personal information you provide us or any account information you receive on line is done in a safe and secure manner.

Our web site includes areas that are public and areas that are password protected. The information you submit via our online banking services is protected by encryption technology, which scrambles account information to reduce the possibility of access by unauthorized individuals outside the institution.

Also included in our web site is the capability to correspond with us by email. This activity may involve sharing some personal information about you with Valley Bank. We do collect the email addresses of those who correspond with us so that we can respond to inquiries effectively.

Nonpublic personal information collected from you on our web site is treated the same as any other nonpublic personal information that we collect.

Children's Online Privacy & Protection
We recognize the importance of protecting children's identities and privacy on line. Our web site is not directed at children and we do not knowingly collect or maintain personal information about children.

Thank you for taking the time to review our privacy standards. We value your business and hope you will remain with us for many years to come. If you feel that we have not met our obligations in the protection or use of your personal information, please notify us. We will investigate and respond to your concern. Breaches of customer privacy are considered serious employee misconduct and may result in termination of the employee.

Questions regarding privacy considerations or the integrity of your account information may be directed to customerservice@myvalleybank.com. Since some email transmissions may be subject to interception, if your correspondence contains sensitive information (e.g. account # or social security #), you may want to send a letter or facsimile to us. You may direct your correspondence to the Valley Bank Compliance Officer at PO Box 2740, Roanoke, Va., 24001-9904.

This policy applies only to individuals obtaining financial products or services primarily for personal, family or household use. Valley Bank reserves the right to change this policy, or any supporting, or related policies or procedures at any time. If we change our policy, the Bank will provide you with a revised Privacy Policy as required by law.

About Children's Online Privacy
The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. Cornhusker Bank's websites and online services are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections, visit the Federal Trade Commission's website at www.ftc.gov/privacy/privacyinitiatives/childrens. For further information, the Federal Government has created a Web site, Kidz Privacy, aimed at educating both parents and children about the dangers of the Internet and how to browse safely.