Declaration of Privacy Standards

The Ramsey National Bank and Trust Co. knows each of our customers has an expectation of privacy which we are pledged to respect. Any information collected about our customers is retained and used only when we believe the information will help us serve them better. We carefully established procedures to be certain the information is correct, current and complete. Access to this information by unauthorized persons is prevented and employee access is limited to those who have a legitimate business reason to know such information

We do not sell or provide account or personal information to non–Ramsey Bank companies for the purposes of independent telemarketing or direct mail marketing.

If you wish to receive a copy of our complete Financial Privacy Standards and Policy, please contact us and a printed copy will be sent to you.

Internet Security

Understanding the risks and knowing how fraudsters may try to trick you is an important way to protect yourself online. Here are some things to watch out for:

Phishing & Pharming – Lures you to a fake website (one that looks like a trusted financial institution, for example) and tricks you into giving out personal information like account numbers or passwords.

Malware – Short for malicious software (often included in spam emails), it can take control of your PC without your knowledge. The software would then forward your personal information such as IDs, passwords, account numbers and PINs to fraudsters.

"You've won!" Lottery winner notification emails are scams. You can't win something you didn't enter. Baiting you with the prospect of a windfall, these lottery winner emails ultimately seek payment from you to get your "winnings." Even if you make the payment, you will never receive the winnings.

** You can make your PC safer by installing and regularly updating the following:

• Anti–virus programs
• Anti–malware programs
• Firewalls on your computer
• Operating system patches and updates

Our Bank will NEVER ask for account numbers, PINs or other personal information by an email message. NEVER divulge this information if requested by an email or over the telephone. Please contact us if anyone attempts to get this information from you in this manner.