CATTARAUGUS COUNTY BANK

Privacy Policy Notice

General:

Protecting your privacy is important to Cattaraugus  County Bank (CCB) and our employees.  We want you to understand what information we collect and how we use it.  In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we collect, maintain, and use information about you on a routine basis.  The following policy serves as a standard for all CCB employees for collection, use, retention, and security of nonpublic personal information.

What Information We Collect

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

**    Information we receive from you on applications or other loan and account forms;

**    Information about your transactions with us or others; and

**    Information we receive from third parties such as credit bureaus.

"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you.  For example, nonpublic personal information includes information regarding your balance, payment history, and overdraft history.

What Information We Disclose

We are permitted under law to disclose nonpublic personal information about you to third parties in certain circumstances.  For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus.  We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.

We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements.

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

Our Security Procedures

We also take steps to safeguard customer information.  We restrict access to your personal and account information to those employees who need to know that information to provide products and services to you.  We educate our employees about the importance of confidentiality and customer privacy.  Employees who violate these standards will be subject to disciplinary measures.  We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

We do not  share medical or health information except to process transactions or to provide services you have requested or initiated.

On-line:

Our bank recognizes the importance of protecting the privacy of Personal Information about our customers and others who visit our web site. Personal Information includes all of the personally identifying information which you provide us On-line. You may give us Personal Information when you enroll for an account or service, when you use On-line banking, bill pay or trading, when you use any of our On-line planners or financial tools, or when you send us e-mail.

      We have described below the circumstances under which we may receive Personal Information On-line and our policies to protect your privacy. If you have any questions that are not answered in this section, please send us an e-mail.

      On-line Banking and Bill Pay
When you bank On-line with our bank or use our On-line Bill Pay service, our bank and our business partners who help us deliver these services to you will have access to your Personal Information. This information is retained on either our bank's or our partners' systems in order to provide you with the services you have requested.

      Applications
When you apply On-line for products or services, or when you enroll in On-line banking, you will be asked for Personal Information in order to process your application. The bank and its business partners who help provide you with the product or service may retain this information.

      Planners and Calculators
When you use various calculators, planners or questionnaires on our web site, you may be asked for Personal Information in order to complete the requested analysis or evaluation. The provider of the calculator, planner or questionnaire may retain this information.

      E-mail      
When you send us e-mail, we will retain the content of the e-mail, your e-mail address, and our response in order to handle any follow-up questions you may have.

 Personal Information provided On-line
Our bank has the highest regard for the privacy of its customers. As a result, we safeguard the privacy of users of our On-line services, just as we do throughout the rest of our businesses.

      Our bank will use Personal Information, as appropriate in the normal course of our business, to provide you with the products and services you have requested. We will also use Personal Information to identify you, to communicate with you, to help us respond to your questions and to understand which our bank's products and services will best meet your needs.