Western Community Bank Online Banking Privacy Policy

Western Community Bank is committed to providing the highest level of security and privacy regarding the collection and use of personal information. Personal information may be collected through the submission of applications, forms, online banking transactions, or through the use of online financial tools. A detailed description of Western Community Bank's Online Banking Privacy Policy is provided below. If you have additional questions regarding the privacy of your personal information, please contact us.

Respect of Right to Privacy

Western Community Bank respects your right to privacy and takes every precaution to provide you with the same level of privacy within our virtual branch that you receive through more traditional bank delivery channels.

Collection and Use of Personal Information

The collection of personal information online is designed to help protect access to your personal accounts and to assist the bank in providing you with the products and services you want and need. For example, the bank may use your email address to notify you of bank services you may wish to use, and you may unsubscribe from receiving these messages at any time. All personal information collected and stored by the bank is used for specific business purposes to protect and administer your personal accounts and transactions, to comply with state and federal banking regulations, and to help the bank better understand your financial needs in order to design or improve our products and services. We employ stringent security measures in the collection of your personal information. All Western Community Bank online account applications are submitted to the bank's secure administration site through an encrypted direct line to the bank. Once received by the bank, only approved personnel may open and process the application. Furthermore, auditing mechanisms have been put into place to protect your information by identifying which employee(s) has accessed and modified the information in any way, such as updated or added to your personal information we maintain.

Maintenance of Accurate Information

It is in the best interest of both you and the bank to maintain accurate records concerning your personal information. For this reason, Western Community Bank allows you to update some portions of your personal information online, at anytime, through the submission of encrypted email requests sent to the bank's secure administration site. Notifications are sent immediately to bank personnel authorized to maintain personal information alerting them of your request. This procedure allows Western Community Bank to update your personal information within a timely manner.

Limited Employee Access to Personal Information

Western Community Bank limits employee access to your personal information to only those bank administrators with a business reason for knowing such information. Western Community Bank also educates all employees about the importance of confidentiality and customer privacy. In addition, individual user names and passwords are used by approved bank personnel to access your personal information online, providing audit trails to further safeguard the privacy of your personal information.

Third-Party Disclosure Restrictions

Western Community Bank follows strict privacy procedures in regard to protecting your personal information. In addition, the bank requires all third parties with a business need to access this information to adhere to similar and equally stringent privacy policies. Personal information may be supplied to a third party in order to process a customer transaction; if the customer requests it; the disclosure is required or allowed by law (i.e. exchange of information with reputable reporting agencies, subpoena, or the investigation of fraudulent activity, etc.).

Our Use of "Cookies"

A "cookie" is a small text file or text identifier placed on end users' computers. Cookies are commonly used on websites and do not harm end-users' systems. Pre-expired (or dated cookies as they are commonly known) are used in our Internet Banking system. The cookies are common across an entire session and end-users must accept all cookies while accessing their accounts. All private data stored in cookies by the Internet Banking system is encrypted, and for internal use only. We will not send out end-user information obtained through the use of cookies to any list servers or marketing companies. These dated cookies are used as part of the stringent security measures in the Internet Banking system. As an end-user navigates through Internet Banking, the dated cookies keep each session alive until the end-user logs out properly or times out of Internet Banking. Once this occurs, the end-user must login with their User ID and Password to gain access again. This ensures that another user using the same computer cannot access the previous session.

Disclosure of Privacy Policies

Western Community Bank is committed to ensuring the privacy of its customers' personal information. For more information regarding the Western Community Bank Online Banking Privacy Policy, please contact us.