Customer Privacy Policy

Through our everyday operations, Eaton National Bank & Trust Co. compiles and maintains confidential information on our customers.  It is the policy of Eaton National Bank & Trust Co. to protect the privacy of this information, especially in light of the increasing attempts from outside sources to obtain this information without the consent of the customer.  Eaton National Bank & Trust Co. will implement strong internal controls, ongoing training, and a strict adherence standard to ensure customer privacy.

 In order to notify our customers of our commitment to guarding their privacy, this policy is available for public review.  Bank employees should express our commitment to customer privacy and the availability of this policy when communicating with present and potential customers.

 It is the policy of Eaton National Bank & Trust Co. to comply with federal and state laws and regulations affecting consumer privacy, including the Fair Credit Reporting Act and the Right to Financial Privacy Act.  In that respect, bank employees will use, collect, and retain information on consumers only when there is an appropriate business purpose to do so.  If for marketing purposes, Eaton National Bank & Trust Co. obtains a prescreened list to offer pre-approved credit products, Eaton National Bank & Trust Co. will clearly disclose to affected consumers their right to “opt-out” of this process, thereby further limiting the availability of consumer information to unauthorized parties.

 Eaton National Bank & Trust Co. will provide customer information to third parties only when authorized by the customer or required by law.  Further, it is the policy of Eaton National Bank & Trust Co. to maintain updated, complete, and accurate information on our customers.  Any necessary corrections conveyed by the customer shall be made as soon as practicable.

 It is the policy of Eaton National Bank & Trust Co. to limit employee access to customer information to those situations in which there is an appropriate business purpose for the employee obtaining the information.  Customer information may not be reviewed simply out of curiosity and may not be shared with others without authorization.  The bank’s auditor will monitor employee access to customer information.  Management will take appropriate disciplinary measures to ensure adherence to this policy.

 It is the policy of Eaton National Bank & Trust Co. to implement procedures, which enable us to assist customers by telephone concerning their accounts, and, at the same time, protect their privacy.  In order to protect customer privacy, Eaton National Bank & Trust Co. must limit the information provided by phone and the circumstances under which that information will be provided.  Callers must positively identify themselves before they can be provided any information pertaining to their accounts.  Procedures will be implemented which enable employees to quickly detect whether or not the caller is actually entitled to the requested information.

 Eaton National Bank & Trust Co. will discard any information, which is not needed, and maintain private information in a form, which protects the customer to the extent possible in case of a burglary.

 Employees shall be trained on an ongoing basis to ensure they are aware of Eaton National Bank & Trust Co.’s stringent privacy protection policy and of the repercussions associated with not complying with this policy.

 Should Eaton National Bank & Trust Co. suspect an unlawful attempt to obtain a customer’s confidential information, a Suspicious Activity Report will be filed and all appropriate regulators notified.  Local law enforcement agencies will be alerted when immediate action is necessary or their awareness is otherwise warranted.

EATON NATIONAL BANK

& TRUST CO.

110 WEST MAIN STREET

EATON, OHIO 45320

                                 Member FDIC                                                                                                                                                                 

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