Definitions

Before discussing what information we may share with other entities, we will define some terms:

• We, our, and us means Fidelity Bank.
• Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
• An affiliate is a company related by common ownership or control. They can be financial and nonfinancial companies. At this time, there are no companies that fit into this category.
• A nonaffiliated third party is a company that is not related by common ownership or control. Fidelity Bank does not share your nonpublic financial information with non-affiliates. At this time, there are no companies that fit into this category.
• Joint Marketing is a formal agreement between nonaffiliated financial companies that together market financial products or services to you. Occasionally Fidelity Bank partners with companies in joint marketing initiatives. See below for more information on this topic.

Other Important Information

While we may disclose nonpublic information we collect, this information is limited to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our customers’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide them to other third parties. We may also disclose information we collect about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our bank, follow your instructions as you authorize, or protect the security of our financial records.

Why We Disclose Information

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 understand what we do.

Information We Collect About You

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

• Social Security number and information that we obtain from you on applications
• Name and information we receive from consumer reporting agencies
• Address and information about your transactions with us, or others. When you are no longer our customer, we continue to share your information as described in this notice.

How We Protect Your Information

All financial institutions need to share nonpublic personal information to run their everyday business. In our Privacy Policy, we list the reasons financial companies can share their nonpublic personal information; the reasons Fidelity Bank chooses to share; and whether you can limit this sharing. Also, see our Security Statement http://www.the-fidelity.com/pdfs/fidelity_scrty.pdf for more information on how we protect your information online.

Fair and Accurate Credit Transactions Act (FACT Act)

On December 4, 2003, the Fair and Accurate Credit Transactions Act of 2003 (FACT Act) was signed into law. This law ensures that all citizens are treated fairly when they apply for a mortgage or other form of credit.

This legislation provides consumers, companies, consumer reporting agencies and regulators with important new tools that:

• Expand access to credit and other financial services for all Americans,
• Enhance the accuracy of consumers’ financial information, and
• Help fight identity theft.

These reforms make permanent the uniform national standards, and institute new, strong consumer protection.

At Fidelity Bank, our first priority is to protect you and your account relationship with us. Please be assured that your account information will be given the highest level of confidentiality. With that stated, Fidelity Bank may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

How You Can Protect Your Privacy

Fidelity Bank is committed to protecting the privacy of its customers. You can help by following these simple guidelines:

• Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit card, as this can provide free access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, claiming the call is on behalf of the bank, and asks you for your account number, you should be wary. Official bank staff will have access to your information and will not need to ask for it.
• Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity on your account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.