Privacy Policy

To obtain The Bank of Fayetteville official Customer Privacy Policy disclosure, which includes notice of your financial privacy rights, please inquire at any of our bank locations or call (479) 444-4444. You may also write us at Post Office Box 1728, Fayetteville, AR 72702. If you are a consumer with a continuing customer relationship with us, such as, for example, a deposit or loan account, safe deposit box, or by use of financial, investment, or economic advisory services for a fee, you have certain financial privacy rights. The Notice of customer financial privacy rights is available in the Customer Privacy Policy provided to all customers and upon request. The following helps explain some of our privacy principles.

The Bank of Fayetteville is dedicated to the goal of meeting the financial needs of our community with professionalism and vision. We respect the privacy of our customers and are committed to treating customer information responsibly and to protecting the privacy of individuals who visit or use our Web site. Our Customer Information Privacy Principles serve as standards for all Bank of Fayetteville employees in the collection, use, retention, and security of customer information entrusted to our care.

We believe The Bank of Fayetteville can offer you the array of financial products and services you need in order to accomplish your financial goals and, at the same time, protect your right to privacy with all due diligence.

The directors, officers, and staff of this bank believe the confidentiality and protection of customer information is a fundamental responsibility. While obtaining and processing information is critical to providing quality service, we recognize that one of our most important assets is our customers trust. Therefore, the safekeeping of customer information is a priority for The Bank of Fayetteville.

We collect, retain, and use the information about you only where we reasonably believe that it will help administer our business or provide products, services, and other opportunities to you. We collect and retain that information only for specific business purposesand we will tell you why we are collecting and retaining it upon your request. Information we collect from you includes:

• The information that we receive from you on applications or other forms,
• Your transaction information at our bank,
• Information concerning your transactions with nonaffilicated third parties,
• Information we receive from consumer reporting agencies,
• Information from other financial institutions.

We do not disclose any nonpublic personal information about our customers to anyone, except as permitted by law. Nonpublic personal information is information about you that we collect in connection with providing a financial product or service to you. It does not include information that is available from public sources, such as telephone directories or government records. We use your nonpublic personal information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help design or improve our products and services; and to understand your financial needs so that we can provide you with quality products and superior service.

We only collect non-identifying information from visitors to our Web site, such as date and time the site was accessed, what pages were visited, what servers were used, and the city of the visitor as identified by the server address. Web site visitors are invited to submit personal information by completing applications or by submitting requests for more information. When visitors respond to this invitation, the information they divulge is used as appropriate by employees of this Bank to complete the request submitted.

The Bank of Fayetteville has established procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable commercial standards. We also pledge to respond to requests to correct inaccurate information in a timely manner.

Each Bank of Fayetteville employee is required to adhere to our bank's ethical code of conduct. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.

This bank is committed to maintaining the security of your financial and personal information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. We continually assess new technology for protecting customer information. Our employees are trained to understand and comply with these principles.

It is this bank's policy not to reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence or business matters, or unless:

• the information is provided to help complete a customer-initiated transaction;
• the customer requests or permits it;
• the disclosure is required by or allowed by law (e.g., subpoena, investigation of fraudulent activity, request by regulator, etc.).

Neither do we disclose any nonpublic personal information about our former customers to anyone, except as permitted by law.

It is the policy of this Bank to comply with all state and federal laws pertaining to the privacy and confidentiality of customer information, including the guidelines and edicts of the 1999 financial modernization law (Gramm-Leach-Bliley Act) with regard to reuse of information by third parties. When conducting business with third parties, vendors and suppliers used must maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

If you have any questions about these privacy principles or have a question about the privacy of your own personal customer information, please call Ray Williams, our Compliance Officer at The Bank of Fayetteville, (479) 444-4444, Extension 5306 . We look forward to being of service to you.