The Murray Bank

ONLINE BANKING PRIVACY POLICY NOTICE

Your Security and Protection When Online

It is of utmost importance for us to protect your personal information when you are online to our website. We go to great lengths to make sure that your transactions are confidential and secure.

Firewalls, And Other Protection

Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. This configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Privacy of Your Information

Visitors to this bank Website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as; (1) Date and time out site was accessed; (2) IP address (A numeric address given to servers connected to the Internet); (3) Web browser used; (4) City, State, and country. The bank uses this information to create summary statistics and to determine the level of interest in information available on our site. Visitors may elect to provide us with personal information via E-mail or online registration forms. This information is used internally, as appropriate, to handle the sender’s request. It is not disseminated or sold to other organizations. Some areas of our Website may use a “cookie” temporarily stored in the visitor’s computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.

The Murray Bank
CONSUMER FINANCIAL INFORMATION PRIVACY NOTICE
FAIR CREDIT REPORT ACT NOTICE

Protection and Confidentiality of Nonpublic Personal Information
We are providing this notice as required by the Federal Financial Privacy Law and the Fair Credit Reporting Act.

We limit access to nonpublic customer information about you to our employees who need to know that information for us 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.

Nonpublic personal information means personal financial information about you that we collect in connection with providing you with a financial product or service that is not made publicly available.

Categories of Nonpublic Personal Information We May Collect
When appropriate in conducting business, we may collect nonpublic information about customers from a variety of sources:

• Information the customer has provided on applications or other forms
  
• Information about the customer’s transactions with us, our affiliates or others
• Information we may obtain from consumer credit reporting agencies
• Information from third parties such as employment verification and property insurance coverage

Categories of Nonpublic Personal Information We May Disclose
We may disclose nonpublic personal financial information about you to:

• Companies that perform marketing services on our behalf or to other financial institutions or securities companies with whom we have joint marketing agreements. These companies are contractually prohibited from using information for any purpose other than as we have asked and are required to keep this information confidential. We do not sell nonpublic information to telemarketers;
• We may also disclose nonpublic financial information about our customers or former customers as permitted by law or authorized by you.

If you no longer do business with us, we will continue to protect your nonpublic personal information using the same policies and practices.

Thank you for choosing us as your financial institution.

Frequently Asked Questions

What are cookies? - A cookie is a file sent from a website to your computers hard drive that is logged on to the site. This file allows the site to recognize whether the computer has been there before and what security requirements and browser preference the computer requires. Only the site that sent the cookie can read the cookie, and only information that has been given directly by the logged on user to the site is accessible. Computer viruses cannot be transmitted through cookies.

Do I have to accept cookies? - You as a customer can choose not to accept cookies. You may do this by making the appropriate selection from your browser options. Please understand, however, that certain services require cookies for effective delivery. Whenever this is the case, you will be informed that you will need to allow cookies if you wish to receive the service. Cookies also make your visit to a site simpler by keeping you from having to re-enter your password every time you change pages within a secure session.