Cache Valley Bank Privacy Statement

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Cache Valley Bank.

This is our privacy notice for our customers. When we use the words "you" and "your", we mean the following types of customers:

Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
* Deposit account
* Loan account
* Credit card account
* Safe deposit box
* Mortgage brokerage services
* Former customer

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms:

* Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

* An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

* A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."

THE INFORMATION WE COLLECT
We collect information about you from the following sources:

* Information you give us on application or other forms
* Information about your transactions with us
* Information about your transactions with other parties
* Information from a consumer reporting agency
* Information we receive as a result of verifying customer information

INFORMATION WE DISCLOSE ABOUT YOU
We do NOT disclose any information about you to anyone, except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

INFORMATION ABOUT FORMER CUSTOMERS
We have the same policy about disclosing information about former customers as we do about current customers.