YOUR PRIVACY IS IMPORTANT TO US

From its founding in 1902, The Baltic State Bank has always valued its customers' privacy highly. We have protected your confidential information in many ways over the years, and we will continue to do so in the future. We never lose sight of the fact that our customers' trust is our most treasured asset. You can rest easy knowing that our corporate focus is the protection of your privacy in your dealings with us. If you ever have any questions about the confidentiality of your information in our hands, please call us at (330) 897-6401. We appreciate the opportunity to continue to serve your banking needs and look forward to your continued trust.

PRIVACY POLICY DISCLOSURE

We, our, and us when used in this notice, mean The Baltic State Bank. This is our privacy notice for our customers. When we use the words "you" and "your" we meant the following types of customers:

Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
· Deposit Account
· Loan Account
· Safe Deposit Account
· Retail installment contract we hold and service
· Self-directed Individual Retirement Account
Former Customers
We will tell you the sources of the information we collect about you. 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. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.
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 nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffliated third party, or simply, an "other party."

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

Information you give us on applications or other forms
Information about your transactions with us
Information about your transactions with other parties
Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY,
AND INTEGRITY OF YOUR INFORMATION

We restrict access to 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 to protect this information.

YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

INFORMATION ABOUT FORMER CUSTOMERS

We have the same policy about disclosing information about former customers as we do about current customers.

AUTHORIZED SHARING - JOINT MARKETING

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

Information you give us on an application or other forms, such as:
Name
Address
We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.

Types of Businesses

We may disclose information pursuant to joint marketing agreements to the following types of businesses:

Financial service providers, such as:

Life insurers
Credit and Debit card issuers

Reasons For Disclosing

We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services.

OPT OUT NOTICE

If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures, that is you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties, you may do so by completing a form available in our office.