Rev. 12/2010

FACTS

WHAT DOES PORTAGE COMMUNITY BANK DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understan d what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security number
Account balances
Payment history

Transaction or loss history
Credit card or other debt
Mortgage rates and payments

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Portage Community Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Portage Community Bank share?	Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes— to offer our products and services to you	No	We do not share
For joint marketing with other financial companies	No	We do not share
For our affiliates' everyday business purposes— information about your transactions and experiences	No	We do not share
For our affiliates' everyday business purposes— information about your creditworthiness	No	We do not share
For nonaffiliates to market to you	No	We do not share

Questions?

Call 330-296-8090 or go to webservice@pcbbank.com

What we do

How does Portage Community Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does Portage Community Bank collect my personal information?

We collect your personal information, for example, when you

Pay your bills
Apply for a loan
Use your credit or debit card

Make deposits or withdrawals from your account
Show your driver’s license

We also collect your personal information from others, such as credit bureaus, affiliates or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

sharing for affiliates’ everyday business purposes – information about your creditworthiness
affiliates from using your information to market to you
sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Portage Community Bank has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Portage Community Bank does not share with nonaffiliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Portage Community bank doesn’t jointly market.

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with Nonaffiliates either for them to market to you or for joint marketing – without your authorization.
For California Customers - We will not share personal information with nonaffiliates either for them to market to you Or for joint marketing – without your authorization. We will also limit your sharing of personal information about you
With our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or Share relationships with nonaffiliates either for them to market to you or for joint marketing – without your authorization.
For Vermont Customers. We will not share personal information with nonaffiliates either for them to market to you or For joint marketing – without your authorization, and we will not share personal information with affiliates about your Creditworthiness without your authorization.