Privacy

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YOUR PRIVACY IS IMPORTANT TO US

The information contained in this policy is being provided to our customers to meet federal guidelines. It is not a change in policy for Mercer County State Bank - your privacy has always been important to us and we take every measure to safeguard the information that you provide in order to conduct business with us. The following privacy policy explains how we use and protect the information received from our customers. We ask that you read it carefully.

Rev. January 2011

FACTS	WHAT DOES MERCER COUNTY STATE BANK DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include:
	• Social Security number • Account balances • Payment history	• Transaction or loss history • Credit history • Checking account information

How?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Mercer County State Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information		Does Mercer County State Bank share?	Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus		Yes	No
For our marketing purposes - to offer our products and services to you		Yes	No
For joint marketing with other financial companies		No	We don't share
For our affiliates' everyday business purposes - information about your transactions and experiences		Yes	No
For our affiliates' everyday business purposes - information about your creditworthiness		No	We don't share
For our affiliates to market to you		Yes	Yes
For nonaffiliates to market to you		No	We don't share
To limit our sharing	• Mail the form below Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call 724-376-7015



Mail-in Form
	Mark any/all you want to limit: [ ] Do not allow your affiliates to use my personal information to market to me.
	Name		Mail To: Mercer County State Bank Opt-Out P.O. Box 516 Sandy Lake, PA 16145
	Address
	City, State, ZIP



What We Do
How does Mercer County State Bank protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate
How does Mercer County State Bank collect my personal information?	We collect your personal information, for example, when you
	• Open an account • Apply for a loan • Give us your income information	• Give us your employment history • Give us your contact information
	We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only • sharing for affiliates' everyday business purposes - information about your creditworthiness • affiliates from using your information to market to you • sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. • Our affiliates include: • Companies with a MCSB McQuiston/Hume Insurance name
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. • Mercer County State Bank does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Mercer County State Bank doesn't jointly market.

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