PRIVACY POLICY

PRIVACY POLICY NOTICE

Identity Theft | Phishing

At West View Savings Bank, we recognize, the sensitive nature of your personal financial information,
and take every precaution to protect your privacy. Because we value your business and continued trust,
we firmly believe it is our obligation to keep your information secure and confidential. When you entrust
us with your financial information, you can be certain it will be used only within our strict guidelines.

We’ve prepared this brochure to explain what types of information we collect, how we protect and use
it, and under what circumstances we may share it. We hope you will read through all the details of
West View Savings Bank’s official position on privacy. At the very least, we want you to know that
West View Savings Bank responsibly uses information we know about you to:

• Provide you with the products and services you have requested
•  Offer you other bank products and services

This Privacy Policy Notice takes precedence over any privacy policies we have previously disclosed to you.

CATEGORIES OF NONPUBLIC PERSONAL INFORMATION THE BANK COLLECTS

“Nonpublic personal information” is nonpublic information about you that we obtain in connection with providing a financial product or service to you. Some examples of nonpublic personal information is information regarding your loan balances, payment history, account balances and overdraft history.

We collect nonpublic personal information about you from the following sources:

•  Information we receive from you on applications for our products and services and on other forms you provide to us
   
•  Information we receive from processing accounts with us and the transactions in those accounts, such as deposit accounts and loans, as well as information that we receive from providing services to you, such as funds transfer services
   
•  Information we receive from a consumer reporting agency (commonly known as a credit bureau), such as your creditworthiness and credit history
   
•  Information we receive in response to requests we make about you, to third parties like real estate appraisers and employers, or to confirm information that you have provided to us, particularly in the process of evaluating applications for loans

CONFIDENTIALITY AND SECURITY OF YOUR NONPUBLIC PERSONAL INFORMATION

We restrict access to your nonpublic information to 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 protect your nonpublic personal information.

CATEGORIES OF NONPUBLIC PERSONAL INFORMATION THE BANK DISCLOSES

We may disclose the following kinds of nonpublic personal information about you, including:

• We may disclose information we receive from you on an application such as your assets, liabilities, income and employment history, for example, in order to verify the accuracy of the information that you have provided us or to determine whether a loan you have applied for is saleable in the secondary market



• We may disclose information we receive from you on an application such as existing loan balances to be paid from our loan proceeds, for example, to persons who are to be involved in the closing of the loan, such as attorneys and title companies



• We may disclose information we receive from processing transactions and services on your accounts with us, such as balance information, for example, to the operator of the interchange that processes our ATM and debit card transactions, or in response to a merchant to whom you are giving a check in payment of articles you have purchased



• We may disclose information we receive from a consumer reporting agency (credit bureau), such as your creditworthiness and credit history



• We may also disclose information we have about you to governmental entities, for example, in response to subpoenas



• We may disclose information we have about you, such as your name, address, account balances, assets, income, and social security number to companies or other financial institutions that perform marketing services on our behalf for your benefit. For example, West View Savings Bank credit cards or credit life insurance, or other products and services that may interest you

CATEGORIES OF NONAFFILIATED THIRD PARTIES THE BANK DISCLOSES TO

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.

The nonaffiliated third parties we have contracted with regarding this are:

• Credit card companies used for providing West View Savings credit cards to a customer



• Credit Life and Accident Health insurance companies used for providing insurance to West View Savings loan customers

We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

OTHER IMPORTANT INFORMATION

Closing your account with us. If you decide to close your account(s) or become an inactive customer, we will follow the privacy policies and practices described in this Notice until your nonpublic personal information has been purged from our files.

Contracting with Third Parties. We may contract with other entities to perform specific support services such as, but not limited to, data processing, that may require us to provide them access to our customer information. When doing so, we require such third party service providers to contractually agree to adhere to our security and privacy guidelines.

Notice not a Contract. These Privacy Disclosures do not create a contract. From time, to time, we may amend or change the terms of this Notice. In that event, we will provide you with a revised privacy notice.

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IDENTITY THEFT

What is identity theft?

Identity theft occurs when someone acquires your personal information and uses it without your knowledge to commit fraud or theft. It is a serious crime and cases are growing. An all-too-common example is when an identity thief uses your personal information to open a credit card account in your name.

No matter how cautious you are, there is no way to completely prevent identity theft from occurring. But there are ways you can help minimize your risk. This page contains valuable information on how you can protect yourself by managing your personal information wisely, the warning signs of identity theft, and what to do if you do become a victim.

Helpful Tips

• Don't give out personal information on the phone, through the mail or over the Internet unless you've initiated the contact or are sure you know whom you're dealing with.


• Don't carry your Social Security card with you; leave it in a secure place. Carry only the identification and credit and debit cards that you need.


• Don't put your address, phone number, or driver’s license number on credit card sales receipts.


• Social Security numbers or phone numbers should not be put on your checks.


• Shred your charge receipts, copies of credit applications, insurance forms, physician statements, checks and bank statements, expired charge cards that you're discarding, and credit offers you get in the mail.


• Secure your credit card, bank, and phone accounts with passwords. Avoid using easily available information like birth date, the last four digits of your SSN, or your phone number. When opening new accounts, you may find that many businesses still have a line on their applications for your mother's maiden name. Use a password instead.


• Secure personal information in your home, particularly if you have roommates or hire outside help.


• Promptly remove mail from your mailbox. If you're planning to be away from home and can't pick up your mail, call the U.S. Postal Service at 1-800-275-8777 to request a vacation hold.


• Ask about information security procedures in your workplace. Find out who has access to your personal information and verify that records are kept in a secure location. Ask about the disposal procedures for those records as well.


• Before revealing any personally identifying information (for example, on an application), find out how it will be used and secured, and whether it will be shared with others. Ask if you have a choice about the use of your information. Can you choose to have it kept confidential?

Check your credit report

Order copies of your credit report once a year to ensure accuracy. You may call 1-877-322-8228 for a FREE credit report from any or all three credit reporting agencies. (The law allows credit bureaus to charge you up to $9.00 for an additional copy of your credit report.)

Make sure it is accurate and includes only those activities you have authorized.

By checking your report on a regular basis you can catch mistakes and fraud before they wreak havoc on your personal finances. Don't underestimate the importance of this step.

Credit Bureaus

Equifax - www.equifax.com
To order your report, call: 1-800-685-1111
To report fraud, call: 1-800-525-6285

Experian - www.experian.com
To order your credit report or report fraud, call: 1-888-EXPERIAN (397-3742)

TransUnion - www.transunion.com
To order your report, call: 800-916-8800
To report fraud, call: 1-800-680-7289

Federal Trade Commission
For a one-stop national resource to learn about the crime of identity theft visit the FTC’s Identity Theft site at http://www.ftc.gov/bcp/edu/microsites/idtheft/

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PHISHING

Protect Yourself Against Phishing

Phishing usually comes in the form of fraudulent emails that appear to come from legitimate sources. These ask customers to verify personal information or link to counterfeit Web sites that appear real.

Watch for emails that:

• Urge you to act quickly because your account may be suspended or closed, or to update your personal information.
• Don't address you by name, but use a more generic one like "Dear valued customer."
• Ask for account numbers, passwords, Access IDs, or other personal information.

West View Savings Bank will NEVER ask for sensitive information, such as account numbers, access IDs or passwords, via e-mail.

Tips from the American Bankers Association for safeguarding your information:

• Do not give your Social Security number or other personal credit information about yourself to anyone who calls you.
• Tear up receipts, bank statements and unused credit card offers before throwing them away.
• Keep an eye out for any missing mail.
• Do not mail bills from your own mailbox with the flag up.
• Review your monthly accounts regularly for any unauthorized charges.
• Order copies of your credit report once a year to ensure accuracy. You may call 1-877-322-8228 for a free credit report from any or all three credit reporting agencies.
• Do business with companies you know are reputable, particularly online.
• Do not open email from unknown sources and use virus detection software.
• Protect your PINs (don’t carry them in your wallet!) and passwords; use a combination of letters and numbers for your passwords and change them periodically.
• Report any suspected fraud to your bank and the fraud units of the three credit reporting agencies immediately.

TransUnion: (800) 680-7289
Experian: (888) 397-3742
Equifax: (800) 525-6285

If you become a victim, contact:

• The fraud departments of the three major credit reporting agencies


• The creditors of any accounts that have been misused


• The local police to file a report


• The bank to cancel existing accounts held in your name and re-open new accounts with new passwords

West View Savings Bank is committed to safeguarding our customers’ financial information. Maintaining our customers’ trust and confidence is a top priority. To learn more about how we protect your information, you may view our privacy policy by clicking below.