PEOPLES BANK - "Where Privacy Matters!"

Peoples Bank values the trust and confidence you have placed in us as your financial instutution. It is the policy of Peoples Bank that both the financial records of our customers and relationships between Peoples Bank and our customers remain confidential.

So that we can make more informed decisions about extending services to our customers, we may collect non-public personal information about customers from several sources:

1. Information the customer had provided on applications or other forms;
2. Information about customer transactions with us, our affiliates, or others; and
3. Information we obtain from consumer credit reporting agencies

We will not disclose information to non-affiliated third parties concerning accounts of our customers or former customers except:

• When such a disclosure is necessary to complete the transaction;
• To verify the existence and condition of your account for a third party (such as a credit bureau) as is permitted by law;
• To comply with court order or applicable laws or regulations; or
• When you give us written permission.

We make disclose information as noted in points 1 and 2 in paragraph two to Peoples Financial, our securities broker dealer and Insurance Agency.

Peoples Bank's policy is to assure that the informaiton we have about our customers is accurate and highly confidential. Non-public customer information is only available to employees who need to know the information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with fedural regulations to guard your non-public personal information.

Peoples Bank wants our customer to understand and be comfortable with our privacy policies and procedures. You may contact us at one of our branch locations (listed below) regarding any questions you may have about this policy.

You may contact us at any one of our locations.