At Bay Bank, we are committed to providing you with financial products and services that meet your needs. Our commitment includes protecting all your personal information that is maintained in our records. We understand that, as our customer, you entrust us with private and confidential information about you and your financial activities. We take our obligation to safeguard your privacy seriously and recognize that we must protect this information in order to fully meet your expectations.

Collection of Information:

We collect information about you that you may consider private from the following sources:

• Information you provide to us on account applications and other banking forms;
• Information about your banking transactions with us or other parties; and,
• Information we receive from consumer reporting agency.

Disclosure of Information:

Bay Bank & Trust Co does not sell or otherwise disclose any information about you or your financial activities to any third party except as follows:

• When necessary to provide you with financial products and services. Accordingly, although we may employ outside vendors to assist us in providing these products and services to our customers, we further protect your personal and financial information by requiring vendors to sign written confidentiality agreements which safeguard your information and specify that the information provided by Bay Bank may only be used for the purpose intended and may not be sold or provided to any other party;
• When complying with your written instructions;
• When responding to a court order, subpoena, or other legal service;
• When reporting our experience with you to a consumer reporting agency; or
• As otherwise permitted by law.

We will continue to follow our non-disclosure policy even if your account becomes inactive, dormant, or is closed.
Other Measures Taken to Safeguard Information:

Bay Bank & Trust Co fully understands that your personal and financial information residing in our various computer systems must remain secure. To assist us in protecting this information, we maintain physical, electronic, and procedural safeguards that comply with federal guidelines. Additionally, Bay Bank restricts employee access to your personal and financial information only to those employees needing the access in order to provide products and services to you.

If you have any questions regarding our privacy policy, please call us at (850)769-3333 or visit any one of our branch offices.