2149961 2579411 = PRIV

FACTS
Why?
What?	The=20 types of personal information we collect and share depend on the = product=20 or service you have with us. This information can=20 include:
=95 Social = Security=20 number =95 Transaction or loss history =95 Credit = history=20	=95 Overdraft history =95 = Employment=20 information =95 Wire transfer instructions
How?

FACTS

Why?

What?

The=20 types of personal information we collect and share depend on the = product=20 or service you have with us. This information can=20 include:

=95 Social = Security=20 number
=95 Transaction or loss history
=95 Credit = history=20

=95 Overdraft history
=95 = Employment=20 information
=95 Wire transfer instructions

How?

What We Do

How=20 does Metz Banking Company protect my personal information?=20

How does Metz Banking Company collect my personal = information?

Why can't I = limit all=20 sharing?

Definitions

Companies related = by common=20 ownership or control. They can be financial and non-financial=20 companies.
=95 Metz Banking Company has no=20 affiliates.

Companies not=20 related by common ownership or control. They can be financial and=20 non-financial companies.
=95=20 Metz Banking Company does not share with nonaffiliates so they=20 can market to you.

A formal agreement between = nonaffiliated=20 financial companies that together market financial products or = services to=20 you.
=95 Metz Banking Company doesn't jointly=20 market.

For Alaska, Illinois, Maryland and North Dakota = Customers.=20 We will not = share personal=20 information with nonaffiliates=20 either for them to market to you or for joint marketing - without = your=20 authorization.
For=20 California Customers. We=20 will not share personal information with nonaffiliates either for = them to=20 market to you or = for joint=20 marketing - without your authorization. We will also limit our = sharing of=20 personal information about you with our affiliates to comply with all = California=20 privacy laws that apply to us.
For Massachusetts, Mississippi and = New Jersey=20 Customers. We = will not=20 share personal information from deposit or share relationships with nonaffiliates = either for=20 them to market to you or for joint marketing - without your=20 authorization.
For=20 Vermont Customers. We will=20 not share personal information with nonaffiliates either for them = to=20 market to you or for joint=20 marketing - without your authorization, and we will not share = personal=20 information with affiliates about your creditworthiness without your = authorization.=20



To=20 protect your personal information from unauthorized access and = use, we use=20 security measures that comply with federal law. These measures = include=20 computer safeguards and secured files and=20 buildings.
We collect your = personal=20 information, for example, when you
=95 Open an = account =95 Apply for=20 a loan =95 Give us your income information	=95 Provide employment information =95 Make a = wire=20 transfer
We also collect your personal information from = others, such=20 as credit bureaus, affiliates,=20 or other companies.
Federal law gives = you the=20 right to limit only =95 sharing for affiliates' everyday = business=20 purposes - information about your =20 creditworthiness =95 affiliates from using your = information to=20 market to you =95 sharing for nonaffiliates to market to=20 you State laws and individual companies may give you = additional=20 rights to limit sharing. See below for more on your = rights under=20 state law.
Affiliates
Nonaffiliates
Joint Marketing
Other Important=20 Information

Reasons we can share your personal=20 information	Does Metz Banking Company=20 share?	Can you limit this = sharing?
For=20 our everyday business purposes - such as to process your=20 transactions, maintain your account(s), respond to court orders = and legal=20 investigations, or report to credit bureaus	Yes
For=20 our marketing purposes - to offer our products and = services=20 to you	No
For=20 joint marketing with other financial companies	No
For=20 our affiliates' everyday business purposes - information = about=20 your transactions and experiences	No
For=20 our affiliates' everyday business purposes - information = about=20 your creditworthiness	No
For=20 nonaffiliates to market to you	No
Questions?

Privacy Model Disclosure VMP=AE = Bankers=20 Systems=99 Wolters Kluwer Financial Services =A9 = 2010=20		PRIV-MODEL 8/1/2010
2010.1/1837 =20 25651034-010