We, our, and us, when used in this notice, mean PeoplesBank, A Codorus Valley Company. This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers:

• All of our consumer customers who have a continuing relationship with us, such as:
  • Deposit account
  • Loan account
  • Safe deposit box
  • Retail installment contract we hold and service
  • Self-directed Individual Retirement Account where we act as custodian or trustee
  • Financial, investment, or economic advisory services (for a fee)
  • Title agency
  • Insurance agency

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information. We first define some terms.

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 we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
A non-affiliated third party is a company that is not an affiliate of ours.

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

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with our affiliates
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

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. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

We may disclose nonpublic personal information about you. Here are the kinds of nonpublic personal information we may disclose to our affiliates:

Transaction and experience information from our account records:

• Information about your transactions and experience with us, such as
  
  • Name
  • Address
  • Account balances
  • Types of accounts
  • Deposit history

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

Types of Affiliates
We may disclose nonpublic personal information about you to the following types of affiliates:

• Financial service providers, such as
  • Insurance companies

Reasons for Disclosure
Here is why we may disclose nonpublic personal information about you to our affiliates:

• To evaluate our total relationship with you and our family of companies and give you the best price that relationship deserves

Future Affiliate Disclosure
We also reserve the right to disclose the following additional nonpublic personal information about you to our affiliates in the future:

Transaction and experience information from our account records:

• Information about your transactions and experience with us, such as
  • Account activity
  • Credit card usage
  • Payment history
  • Parties to the transaction

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

We may disclose this nonpublic personal information with the affiliates listed under the heading Types of Affiliates.

We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law.

We do not disclose nonpublic personal information about former customers, except as permitted by law.

We may disclose the following information to companies that perform marketing services on our behalf:

• Nonpublic personal information we receive from you on an application or other forms, such as
  • Name
  • Address
• Nonpublic personal information about your transactions with us, such as
  • Types of accounts

Federal law allows us to disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Types of Businesses
Here are the types of businesses with whom we may disclose nonpublic personal information for outside marketing purposes:

• Service providers that perform marketing services for us, such as
  • Direct mail companies

Reasons for Disclosing
Here is why we may disclose nonpublic personal information about you to companies that perform marketing services on our behalf:

• To provide our customers with information about additional products and services

We may disclose the following information to other financial institutions with whom we have joint-marketing agreements:

• Nonpublic personal information we receive from you on applications or other forms, such as
  • Name
  • Address
  • Social security number
• Nonpublic personal information about your transactions with us, such as
  • Types of accounts
  • Payment history
  • Account balance