However rapidly we may respond to changes in technology and data processing, we at Clackamas County Bank also take pride in our adherence to the old-fashioned virtue of customer confidentiality. When a customer opens an account with us, that customer provides us with private financial and personal information, and we are committed to maintaining the confidentiality of that information. Our customers are not only protected by federal and state laws but by Clackamas County Bank's commitment to uphold both the spirit and the letter of those laws. Our commitment is described in this Customer Privacy Statement.

Information collection
As a financial institution, Clackamas County Bank maintains information and data about our customers for several reasons. We have learned that the more we know about our customer, the better we can understand their often unique financial needs and thus provide them with appropriate products and superior service. For example, if we knew you were a homeowner in need of financing, we would recommend that you consider a home equity loan or credit line as an alternative to an installment loan because of its potential tax benefits for you.

We collect nonpublic information about you from some or all of the following sources:

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

We also collect and analyze customer information as the first step in product development. Our goal is to spot trends or changes in the way our customers manage their finances. With this constantly updated information, we are able to create new products and services or improve existing ones, giving you more effective money management tools.

There are some cases where we gather information to comply with laws and regulations governing the financial industry. For example, we are required by federal regulations to obtain a tax identification number (generally a social security number) for many of our accounts, including all savings, checking, or investment accounts that pay interest.

We use some of the data we collect to maintain the security of your account(s) and to protect the privacy of your financial information. We must be able to positively identify you and your products and services to prevent access by unauthorized individuals.

Accuracy of Information
We are committed to maintaining complete and accurate information about our customers, and we employ reasonable measures to ensure the accuracy, timeliness, and thoroughness of this information. If you think any information we have about you or your account(s) may be incorrect, please notify us immediately. We will take prompt action to make the appropriate corrections to notify anyone with whom we may have shared inaccurate information.

Sharing Customer Information
In our continuing effort to provide you with superior service and offer you financial products we think you would find useful, we will share customer information within Clackamas County Bank, including our branches, mortgage department, insurance and investment departments. In doing so, we are able to offer you a complete financial package, with the best accounts and products for all your business and personal needs. As a result of this sharing within Clackamas County Bank, you may receive combined account statements, easier access to certain account features, new or enhanced products, special promotional offers, and certain discounts you may otherwise not have known about or been eligible to receive.

We want to assure you that we carefully try to limit the use and collection of customer information to only what is necessary to conduct our business, provide superior service, and offer opportunities we think would be useful to you. You have our commitment to use customer information only in accordance with the principles outlined within this policy.

Sharing Information with Other Companies
Although we at Clackamas County Bank are committed to protecting the confidentiality of your financial information, occasionally we provide information about you and your finances to other companies outside of the Clackamas County Bank financial family with whom we do business.

For example, we are required to share your financial information with parties named in a lawsuit or administrative action when we are served with a subpoena or court order and with federal or state regulatory authorities, such as banking examiners or the Internal Revenue Service, as authorized by federal or state law. Consistent with the practice of other financial institutions, we also share information about you and your account(s) with us with reputable credit reporting agencies as authorized under federal law and with others who may receive certain information from us under particular circumstances, but only as lawfully permitted or required.

We do not disclose any nonpublic personal information about our customers and former customers to affiliates or non-affiliated third parties except as permitted by law. We may disclose all of the information we collect as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Furthermore, we may contract with other reputable companies in our efforts to offer you additional attractive products and services. Also, we may contract with outside agents or service providers to prepare account statements, enter or calculate transactions and balances, or provide other materials or services on our behalf. These businesses agree to comply with our customer confidentiality requirements and must abide by applicable laws.

Our Security Measures
We restrict access to nonpublic information about you 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 regulations to guard your nonpublic personal information.

Employee Access
An important part of our employee orientation program is the emphasis we place on customer confidentiality. All of our employees are aware of their responsibility with respect to customer information. Only employees who need customer information to perform their duties are authorized to access customer information.

Protection of Information
Clackamas County Bank is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

Removal from Lists
If you would rather not receive news of products and services offered by Clackamas County Bank, other than inserts in your monthly or quarterly statements, we will be glad to comply. To request that your name be deleted from any future mail or telephone solicitations from any member of the Clackamas County Bank group, simply contact your local branch or write to us at P.O. Box 38, Sandy, Oregon  97055. Be sure to include your name and social security number in your letter. Please note, we update our customer files monthly and your request will be recorded at that time.

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Clackamas County Bank