Privacy and Security

NexTier, Inc. Family of Companies Privacy Policy

A Policy That Protects Your Privacy

NexTier, Inc. (“NexTier”) and its family of companies are firmly committed to protecting your personal information. Because we value your business and your continued trust, we pledge to use this information in a secure and responsible manner, and only when it is necessary in the course of providing financial products and services to you. We have developed this Privacy Policy to help you understand the types of personal financial information we collect, the measures we take to protect this information, and the manner and extent to which we share this information among the NexTier family of companies and with certain other parties. This Privacy Policy applies to personal information collected or used when NexTier and its family of companies offer financial products or services to you for personal, family or household purposes.

NexTier Companies Providing This Notice:

This disclosure is made on behalf of NexTier, Inc. and the following NexTier companies: NexTier Bank, N.A., NexTier Insurance Services, LLC, Radnor Trust Company, Radnor Advisors, LLC and any other subsidiary of NexTier, Inc.

Information We Collect

NexTier will collect and use your personal information only when it is necessary in the course of providing financial products or services to you. Examples of the types of information we collect and use are as follows:

• Information we receive from you:
  • Contact Information, such as your name, address, telephone number and
    social security number
  • Eligibility Information, such as your income, assets and liabilities
  
  
• Experience Information. Information about our experiences or transactions with
  you, such as your account balances and usage, loan information and payment
  history
  
• Information from Third Parties. Information from third parties such as real estate appraisers and title insurance companies
  
• Information from Consumer Reporting Agencies. Information from consumer reporting agencies relating to your credit worthiness and credit history
  
  

We Limit Access to Information

We restrict access to your personal information to those employees who need to know that information in order to administer your accounts or provide financial products and services to you. To reinforce this point, we have implemented policies, procedures and training, education and communication programs that are designed to protect the confidentiality and security of your personal information. Each NexTier employee is required to comply with the customer privacy policies and procedures implemented by NexTier.

We also maintain physical, electronic and procedural safeguards that comply with federal standards to protect the confidentiality of your personal information.

Information We Share Among the NexTier Family of Companies

NexTier may share contact information (name, address, telephone and social security numbers) and experience information (account balances, payment history and account usage) among the NexTier family of companies in order to facilitate the provision of banking, wealth management and insurance products and services that are appropriate for you. We do not share eligibility information or information from third parties among the NexTier family of companies unless it is necessary to process a transaction that you authorize..

To Opt Out of Sharing Information among
the NexTier Family of Companies,
please contact us as follows:
NexTier Family of Companies
PO Box 1232
Butler, PA 16003
Or call us at:
1-800-262-1088
Or e-mail us at:
info@thebank.com

Information We Share Outside of the NexTier Family of Companies

We generally do not share customer information with any third parties that are not affiliated with NexTier. We may, however, share customer information with unaffiliated third parties that perform certain services on our behalf, such as printing checks, preparing and mailing account statements, appraising property offered as collateral, preparing insurance quotes, and processing customer transactions.

We may also share customer information with third party financial institutions that offer certain financial products and services, such as investment advisory, insurance and securities products, pursuant to joint marketing arrangements. Generally, we only provide contact information (name, address, and telephone and social security numbers) and experience information (account balances and related information). When we offer credit related insurance products, we may provide certain account information that is necessary to process the insurance transaction. We do not provide customer account numbers or eligibility information as part of the joint marketing arrangement. Before sharing customer information with any third party, we require that they agree, in writing, to maintain the confidentiality and security of our customer information and to use it only as authorized by us.

Finally, we may share customer information with non-affiliated third parties when you consent or request that we share this information or when we are legally permitted or required to share this information. For example, we share information with consumer reporting agencies or with third party merchants to verify your account status. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Weblinks

We are not responsible for the collection, use or security of information by companies or organizations outside of the NexTier Family of Companies that may be linked to our websites. We encourage you to read the privacy policies of websites reached through the links from NexTier websites. The NexTier Bank website may place a small file or cookie on your computer’s hard drive. This file has no information about you personally, but identifies your computer when you return to our site. This is done in order to measure usage of our site and to optimize it for your convenience.

Former Customers

We do not share information about former customers with outside parties, except as permitted or required by law.

These privacy points are effective June 1, 2008 and may be modified from time to time.