Bay Community Bank
Privacy of Consumer Financial Information

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications for loans or other forms;
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from a consumer reporting agency (credit bureau).

We restrict access to this nonpublic personal information about you to only those employees who need to know that information in order to provide products or services to you. In addition, we maintain physical, electronic, and procedural safeguards in compliance with federal regulations to guard your nonpublic personal information.

To better serve your financial needs, we may disclose the following kinds of nonpublic personal information about you (as a current or former customer) to affiliated third parties such as our mortgage companies, Union Mortgage Group, Inc. and Johnson Mortgage Company, LLC; our securities investment company, Union Investment Services, Inc.; our insurance company, Union Insurance, Inc.; and our member banks, Union Bank & Trust Company, Northern Neck State Bank, Rappahannock National Bank, and Bay Community Bank :

• Information we receive from you on applications or other forms, such as your name, address, social security number, assets and income(s);
• Information about your transactions with us, (our affiliates), or others such as your account balance, payment history, parties to transactions, and credit card usage; and
• Information we receive from a consumer reporting agency (credit bureau), such as your creditworthiness and credit history.

We do not disclose nonpublic personal information about you to nonaffiliated third parties (other than disclosures permitted by law). If you prefer that we not disclose nonpublic personal information about you to affiliated 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). It is important to note that information about specific transactions and experience with a customer will still be shared with affiliated third parties and others as permitted by The Fair Credit Reporting Act. If you wish to opt out of disclosures to affiliated third parties as defined above, you may contact us toll free at 866-593-5500.


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