At blueharbor bank, we understand how important privacy is to our customers.  We have taken steps to insure your security and privacy for your personal and financial dealings with the bank. We restrict access to nonpublic information about you to those employees who need to know that information to provide products or services to you.

What Information We Collect:

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

• Information we receive from you on applications or account forms
• Information about your transactions with us or others
• Information we receive from a consumer reporting agency
• Information that is received through our Customer Identification Program

What Information We Disclose:

We value our relationship with you, therefore we do not disclose any nonpublic personal information about you to anyone except as permitted by law.

Information about your account(s) or the transaction(s) you make may be shared if:

• It is necessary to verify the existence and condition of your account to a third party such as a credit bureau or merchant.
• You give us permission, which we may require to be in writing.
• It is necessary to collect information for internal use, the use of our service providers, and our servicing agents.
• We are permitted to do so under state or federal laws and/or regulations.

If you decide to close your account(s) or to become an inactive customer, we will adhere to the privacy policy and practices described in this notice.

Our Security Procedures:

blueharbor bank  employees are informed of their responsibility to protect customer’s nonpublic information and our bound by these procedures. Employees who violate these principles or other company policies are subject to disciplinary actions.

When Is Personal Information Collected Online:

We collect nonpublic personal information about you when you do the following things online:

• When you enroll for Online Banking and Bill Pay
• When you apply for a deposit account or loan online.
• When you send us an email.

If you have any questions that were not covered in this disclosure or you feel your personal information is not correct please contact us by calling 704-662-7700 or send us an email at customerservice@blueharborbank.com.

Useful information for consumers:

Consumer Reporting Agencies

You may not prohibit BlueHarbor Bank from sharing your loan and deposit account history with consumer reporting agencies. However, you may request that consumer reporting agencies not provide information about you to companies wishing to extend “preapproved” offers to you for their products or services. You may make this request by calling the “Opt-Out Request Line” at 1-888-567-8688.

National Do Not Call Registry

BlueHarbor Bank supports the National Do Not Call Registry. To have your phone number added to the National Do Not Call Registry, you may call 1-888-382-1222 or register at www.fcc.gov/cgb/donotcall. While this will stop most marketing calls, you may still receive calls from businesses where you are a customer.

National Advertisers and Marketing Companies

You may request that the Direct Marketing Association delete your name from telephone and mail lists used by their members in marketing products and services to you. Information on these lists is normally obtained from public sources. Your request lasts for five years and should include all versions of your name in which you currently receive information, your address, and your telephone number, including the area code. Requests for deletion should be mailed to each of the following.
For advertising received through the mail:

Mail Preference Service
c/o Direct Marketing Association
P.O. Box 643
Carmel , NY 10512

DMA E-Mail Preference Service: Dmaconsumers.org/optoutform_emps.shtml

PROTECTING OUR CHILDREN

The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. BlueHarbor Bank's websites and online services are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections, link to the Federal Trade Commission's website at www.ftc.gov/privacy/privacyinitiatives/childrens. For further information, the Federal Government has created a Web site, Kidz Privacy, aimed at educating both parents and children about the dangers of the Internet and how to browse safely.

IDENTITY THEFT ASSISTANCE

If you believe you may have been a victim of identity theft:

1. File a police report in your local jurisdiction and retain the report number and the name of the officer who took the report.
2. Contact your local branch to place holds on your accounts.
3. Contact the Social Security Administration's Fraud Hotline at 1-800-269-0271 to report fraudulent use of your identification information.
4. Report the incident as quickly as possible to any one of the credit reporting agencies:
   
   Experian 1-888-397-3742
   Equifax 1-800-525-6285
   Trans Union 1-800-680-7289
   
   You should review a current credit bureau report to identify any unauthorized accounts or inquiries and ask the credit reporting agency about placing a Victim Alert Flag on your files.
5. File a complaint with the Federal Trade Commission (FTC) by contacting the FTC's Identity Theft Hotline at 1-877-IDTHEFT (438-4338)