Online Privacy/Security Policy

Signature Bank believes that the issues of confidentiality and privacy are very important. Therefore, we want to assure our visitors of the confidentially, privacy and security they expect and deserve when visiting our web site, www.signaturebankna.com.

Information Collected

Signature Bank, N.A. does not collect or retain personal information from visitors to our web site.

Signature Bank, N.A. invites visitors to our web site to contact us regarding any questions they may have. Contact may be initiated by calling (419) 841-7773 or toll free at (866) 208-7773.

When using Signature Bank’s Online Banking product, secure socket layer (SSL) technology is used, which ensures our client’s Internet Banking account information is secure and accessible only to an authorized Signature Bank representative and the client. This technology encrypts, or scrambles, your account information which allows a high level of security. To support SSL, the customer must have an Internet Browser that supports 128-bit encryption, such as Netscape 4.0 and Microsoft’s Internet Explorer 4.0.

If you have submitted information to us via the Internet, we recommend that you end your browser session before leaving your computer. You can also help maintain the security of your banking information by:

· Not sharing your Internet Banking ID or password with anyone;

· Changing your password regularly; and

· Remembering to sign off the Online Banking system after your session is complete.

Use of Cookies

A cookie is a small piece of information about an Internet session that may be created when a visitor accesses a Web Site. Currently, our Web site uses cookies to facilitate easier navigation within the site. These cookies do not collect personally identifiable information, and we do not combine information collected through cookies with other personal information to determine who you are or your e-mail address. These cookies are not written to visitor’s hard drives and exist only until the browser is shut down.

Customer Information Principles

At Signature Bank we understand that our clients are concerned about the confidentiality and privacy of their personal information. Because of this, your privacy has always been, and will always be, one of our most important concerns. We respect the trust that you place in us. A separate Privacy Policy is available for your review on the Signature Bank Web Site, which explains additional procedures intended to further protect your privacy.

Privacy Policy

Signature Bank, N.A. respects the trust that our clients place in us. Therefore, we are committed to protecting your right to privacy. We will provide the highest level of security and privacy in regard to all personal information you may provide to us.

A. Recognition of a Clients Expectation of Privacy

We recognize that the confidentiality and protection of our client’s information is one of our fundamental responsibilities. Thus we will maintain reasonable standards to ensure your information remains private and secure at all times.

B. Use, Collection and Retention of Customer Information

In order to assist you with your financial needs and provide unparalleled customer service, we will collect, retain and use information about you only where we reasonably believe it would be useful (and allowed by law) in administering Signature Bank’s business. We will collect and retain nonpublic personal information about you from the following sources:

~ Applications or other forms you may provide to us. These forms may contain information such as your name, address, social security number, etc.

~ Information we obtain from a consumer reporting agency to inquire on your credit history and credit worthiness.

~ Information regarding transactions with Signature Bank, such as account balances and payment history.

It is the policy of Signature Bank to use client information to protect and administer customer accounts, records and funds. On occasion, the Bank must also collect information to comply with certain laws and regulations.

C. Maintenance of Accurate Information

Procedures have been established to ensure your financial information is current, accurate and complete in keeping with reasonable commercial standards. We are committed to respond to requests to correct inaccurate information in a timely manner. If you should discover any inaccurate information, please contact us at (419) 841-7773.

D. Limiting Employee Access to Information

Signature Bank’s employees are educated on the importance of confidentiality and customer privacy. Employee access to confidential information is limited to those with a business reason to know such information. Each employee has been trained to respect your privacy concerns and is aware of their responsibility to protect your personal information. If an employee would violate these privacy principles, they would be subject to disciplinary measures.

E. Protection of Information via Established Security Measures

Signature Bank is committed to maintain appropriate security standards and procedures regarding unauthorized access to customer information, such as usage of SSL technology on our online banking product. This technology allows for the encryption of account information that is accessed via our online banking product. In addition, our online banking product requires that you authenticate your identity using your online banking ID along with your user created password.

F. Restriction on the Disclosures of Account Information

F. Signature Bank does not reveal our client’s or former client’s private, confidential information to unaffiliated third parties for their independent use. We will not sell information about you to any other company. There may be instances where your information may be shared with a third party including:

· To effect, administer, or enforce a transaction you request or authorize;

· The disclosure is required or allowed by law (i.e., exchange of information with reputable reporting agencies in accordance with the Fair Credit Reporting Act, subpoenas, or other court orders, etc.); or

· To prevent actual or potential fraud, unauthorized transactions or other liability

· The information is provided to companies that perform a service for us in connection with your accounts including, but not limited to:

o Third party processor for ATM, VISA, and Debit Card

o Data Processing and software companies

o The bank’s external auditors, attorneys and accountants

G. Maintaining Client Privacy in Business Relationships with Third Parties

Signature Bank insists that any third party we associate with treat and maintain the foregoing privacy guidelines with the same degree of diligence and attention put forth by Signature Bank.