At Lyons Bancorp, Inc. and its affiliates, we are committed to safeguarding
customer information. Since your privacy is a priority to us, we will not share
non-public information about you with third parties outside of the family of
companies of Lyons Bancorp, Inc. without your consent, except as explained
in our Privacy Policy. From time to time, we may communicate to you special
offers for products or services of third parties outside the Lyons Bancorp
corporate family, which we believe may be of interest to you, as explained in
our Privacy Policy. However, we will not provide these third parties with any
non-public information about you without your consent. We have created our
Privacy Policy to communicate our privacy commitment to you and to serve
your privacy needs. Protecting your privacy is important to the Lyons Bancorp
corporate family. We want you to understand what information we may gather
and how we share it. This Privacy Policy explains use, retention and security of
information about you.


How We Gather Information

We will limit the collection and use of customer information to the minimum
we require to deliver superior service to our customers, which includes
advising our customers about our products, services and other opportunities,
and to administer our business. As part of providing you with financial
products or services, we may obtain information about you from the following
sources:
• Applications, forms, and other information that you provide to us, whether in
writing, in person, by telephone, electronically or by any other means. This
information may include your name, address, social security number,
employment information, income and credit references;
• Your transactions with us, our affiliates (members of the Lyons Bancorp
corporate family), or others. This information may include your account
balances, payment history, and account usage;
• Consumer reporting agencies. This information may include account
information and information about your creditworthiness;
• Public sources. This information may include real estate records and telephone
numbers.


Sharing Information
Outside Lyons Bancorp Inc.

We are required or we may provide information about you to third parties
outside Lyons Bancorp Inc. without your consent, as permitted by law, such as:
• To respond to a subpoena or court order, judicial process or regulatory
authorities;
• To consumer reporting agencies;
• In connection with a proposed or actual sale, merger, or transfer of all or a
portion of a business or an operating unit;
• To protect against fraud;
• To participate in a private label credit card program.

For purposes of credit reporting, verification and risk management, we will
exchange information about you with reputable reference sources and
clearinghouse services.

In addition, we may provide information about you to our service providers to
help process your applications or service your account. Our service providers
may include billing service providers, mail and telephone service companies,
insurers, loan settlement service providers, property inspection companies,
attorneys and other professionals.

We may also provide information about you to our service providers to help
us perform joint marketing services (including the marketing of Lyons Bancorp
products and services and the products and services of non-Lyons Bancorp
companies). The information provided to these service providers may include
categories of information described under "How We Gather Information" limited
to only that which we deem appropriate for these service providers to carry
out their function.

We do not provide nonpublic information about you to any non-Lyons Bancorp
company whose product and services are being marketed unless you authorize
us to do so. These non-Lyons Bancorp companies are not allowed to use this
information for purposes beyond your specific authorization.


Sharing Information Within
the Lyons Bancorp Corporate Family

We also may share information about you within our corporate family of
financial service companies. These companies include The Lyons National Bank,
Lyons Realty Associates Corp., LNB Life Agency, Inc. and other members of the Lyons Bancorp corporate family.

Lyons Bancorp and its corporate family may share with each other all of the
categories of information we gather about you, including identification
information (such as your name and address), credit reports (such as your
credit history), application information (such as your income or credit
references), your transactions and experiences with us (such as your payment
history), and information from other third parties (such as your employment
history).

By sharing this information, Lyons Bancorp can better understand your
financial needs. We can then send you notification of new products and special
promotional offers that you might not otherwise know about. You may prohibit
the sharing of application and third party credit-related information within the
Lyons Bancorp corporate family. Simply mail a signed request, with your name,
address and account number, to the following address:

Lyons Bancorp, Inc.
Financial Privacy
PO Box 380
35 William Street
Lyons, New York 14489

or call the following toll free number: 1-888-946-0100. If you make such a
request, it will apply to all of your consumer relationships with all the
companies within the Lyons Bancorp corporate family. If you have a joint
account, a request by one party will apply to the entire account.

We will honor your choice on restricting information sharing. However, the
restriction does not extend to the sharing of other information, including your
name and address, and your account transactions and experiences, within the
Lyons Bancorp corporate family.


Our Former Customers

Even if you are no longer a Lyons Bancorp customer, our Privacy Policy will
continue to apply to you.


Our Security Practices
and Information Accuracy

We also take steps to safeguard customer information. We restrict access to
the personal and account information of our customers to those employees
who need to know that information in the course of their job responsibilities.
We maintain physical, electronic, and procedural safeguards that comply
with federal standards to protect customer information.

We also have internal controls to keep customer information as accurate
and complete as we can. If you believe that any information about you is
not accurate, please let us know.


Other Information

This Privacy Policy applies to products or services provided by Lyons Bancorp,
used primarily for personal, family, or household purposes (not business
purposes). We reserve the right to change this Privacy Policy, and any of the
policies described above, at any time. The examples contained within this
Privacy Policy are illustrations; they are not intended to be exclusive.


 

> Privacy