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Harris Privacy Policy

Your Privacy Is Our Priority

Our Commitment to You
Harris appreciates the opportunity to help you meet your financial needs. Earning and keeping your trust has been at the core of our business for over a century. We are committed to protecting the personal and financial information you’ve entrusted to us. It is important for you to understand what information we will collect, how we will use it, and who may see it. We are required by federal privacy regulations to annually notify you of our privacy policy.

This Privacy Policy outlines our commitment to you and incorporates the following principles:

ACCOUNTABILITY
Our employees are responsible for protecting the personal information to which they have access. We have strict policies and procedures for safeguarding personal information and designated individuals within Harris who are responsible for monitoring our compliance.

We are committed to protecting the privacy of our former customers as well as our current customers. If you choose to close your account(s) or become an inactive customer, you will continue to be protected by the privacy policies and principles described in this policy.

When we are serving as the trustee of a trust or as the executor of an estate, we serve in a fiduciary capacity. We treat this role with the highest level of respect and care. When we serve in a fiduciary capacity, we are extremely restrictive with the sharing of fiduciary information within and outside the Harris family of companies.

IDENTIFYING PURPOSE
When you become a Harris customer, or apply for additional products and services, we ask you for your personal information. Examples of the purposes for which we may collect and use this information include:

•	to respond more accurately and efficiently to your requests
•	to verify your identity, secure your accounts and protect against fraud
•	to understand your financial service requirements
•	to determine suitability of products and services for you
•	to determine your eligibility for certain products and services or those of others, and offer them to you
•	to set up and manage products and services you have requested, and
•	to comply with federal and state legal or regulatory requirements

Your personal information may be verified with other parties such as credit bureaus, your employer, and personal references.

COLLECTION OF INFORMATION
The information we may collect and maintain about you comes primarily from you during the course of your doing business with Harris. This personal information, not available publicly, comes from the following sources:

•	Information you provide to us when you fill out an application, complete a form, or make a request for services. This includes your name, address, date of birth, Social Security Number, assets and income.
•	Information from your transactions with us, such as your account balance, account usage, account positions and loan history.
•	Information from credit reporting agencies or other parties such as credit history, employment history and demographic information.

Important Information about Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

LIMITING USE AND DISCLOSURE OF INFORMATION
To protect your privacy, we limit the information we share both within and outside the Harris family of companies. We will not share information about you, unless authorized by you, except as outlined as follows.

Sharing and Use of Information Within the Harris Family of Companies
The sharing and use of information within the Harris family of companies (i.e., among our banks, our brokerage company and other affiliated financial service companies) helps us to provide you with complete and superior customer service. We may share within the Harris family the information described above in the section Collection of Information. This includes information about your transactions or experiences with us, information you supply on your account applications, and information we receive from third parties. For example, we may share this information about you within the Harris family of companies to provide you with services you have requested, to identify products and services for which you may be eligible, and to offer products and services to you.

As an individual, you have the right to instruct us not to share among our banks, our brokerage company and other affiliated financial service companies certain information (other than information about our transactions and experiences with you) from your account applications or information we receive from third parties.* If you do not want us to share this information about you, please contact us (see Contact Us section) so that we may process this request for you.

If you have previously contacted us regarding your request, you do not need to contact us again. Your request not to share this information will apply to all of your accounts with us including any new account you open after your original request. If two or more customers jointly own an account or obtain a service, the request not to share information will apply only to the customer making the request unless otherwise directed by you.

Limiting Marketing from the Harris Family of Companies
Federal law gives you the right to limit some but not all marketing from the Harris family of companies. Federal law also requires us to give you this notice to tell you about your choice to limit marketing from the Harris family of companies.

You may limit our affiliates within the Harris family of companies, such as our banks, brokerage, insurance or investment advisory affiliates, from marketing their products or services to you based on personal information about you that they may receive from other companies within the Harris family of companies. This information includes your income, your account history and your credit score. Your choice to limit marketing will apply until you tell us to change your choice.

To limit marketing offers, please contact us at 1-888-654-0063 (Business Customers should contact us at 1-888-489-2265), or visit any Harris location, so that we may process this request for you.

Please note that this does not prohibit the companies within the Harris family of companies with whom you have established a business relationship from marketing their products and services to you unless you have requested that your name, address, email address and phone number be excluded from marketing lists (see Direct Marketing section).

Your request not to share this information for marketing purposes will apply to all of your accounts with us including any new account you open after your original request. If two or more customers jointly own an account or obtain a service, the request not to share information will apply only to the customer making the request unless otherwise directed by you.

*Important Information for Vermont Residents
Vermont Residents: As long as you remain a resident of Vermont, we will not share within the Harris family of companies, certain information (other than information about our transactions and experiences with you) from your account applications or information we receive from third parties, without your authorization. To authorize the sharing of this information within the Harris family of companies, please contact us (see Contact Us section).

Direct Marketing
Direct marketing is our communication to you by mail, telephone or electronic means to inform you about products and services that we think may be of interest and value to you. If you do not want to receive direct marketing from the Harris family of companies, you may request that we remove your name, address, email address and phone number from our marketing lists. Please contact us (see Contact Us section) so that we may process this request for you.

Sharing Information with Companies Who Help Us Provide You Services
We may share the information described in the section Collection of Information with companies external to Harris to complete a transaction you have requested or to help us service your account. For example, we may share information about you with non-financial companies that perform services for us such as printing checks that you order, data processing, printing account statements or with companies that perform marketing services on our behalf. We are highly selective in choosing these companies. All companies with whom we do business are contractually obligated to comply with strict standards regarding security and confidentiality, and the information can be used only for the sole purpose of providing the service we have requested the company to perform.

Sharing Information with Other Financial Service Providers
We may also share information about you with other financial service providers, including other banks, insurance companies or mortgage companies, with whom we have a joint marketing agreement to offer you additional products or services.** For example, we have an arrangement with another financial institution to offer you Harris credit cards.

Sharing Information in Other Situations
We may share the information described in the section Collection of Information when we are permitted or required by law. Examples include responding to a subpoena, conducting a fraud investigation, or reporting to a credit bureau. We may also share this information when authorized by you.

ACCURACY OF INFORMATION
We are committed to maintaining the accuracy of your personal information and ensuring that it is complete and up-to-date. If you ever discover inaccuracies in our data or if your personal information changes, please notify us immediately (see Contact Us section) so that we can make the necessary changes.

USE OF APPROPRIATE SAFEGUARDS
We maintain physical, electronic, and procedural safeguards that comply with federal laws and regulations to guard the information we have about you against unauthorized use, access, alteration, duplication, destruction, disclosure, loss or theft. Access is limited to those employees who need to know to provide you with services to help you meet your financial needs.

**Important Information for California and Vermont Residents
California Residents: As long as you remain a resident of California, we will not share any information about you with other financial services providers with whom we have a joint marketing agreement.
Vermont Residents: As long as you remain a resident of Vermont, the information we may share about you with other financial institutions with which we have a joint marketing agreement is limited to your name, contact information, and information about our transactions and experiences with you.

OPENNESS
The Harris Privacy Policy is made available to you online at www.harrisbank.com, as well as in our branches as a printed brochure. It is provided annually to every customer. From time to time, we may make changes to this policy and will inform you of changes, as required by law. To view the most up-to-date Privacy Policy, visit our website at www.harrisbank.com and click the privacy link located at the bottom of the page.

to this policy and will inform you of changes, as required by law. To view the most up-to-date Privacy Policy, visit our website at www.harrisbank.com and click the privacy link located at the bottom of the page.

RESPECTING YOUR PRIVACY PREFERENCES
Harris fully respects your privacy preferences. Simply contact the branch where you do business (or see Contact Us section) to discuss the options that are available to you to limit sharing of information among the Harris family of companies and to limit marketing offers, including direct marketing, from the Harris family of companies. It may take several weeks to fully implement your request. Also, if you previously contacted Harris to request to opt out of direct marketing, limit marketing offers or sharing information within the Harris family of companies, you do not need to contact us again unless you want to change a choice you previously made.

CONTACT US
You may contact us to ask questions about this policy, to instruct us not to share certain information about you within the Harris family, to limit marketing offers, or to inform us that you prefer not to receive information about our services by doing one of the following:

REDUCING DIRECT MARKETING SOLICITATIONS FROM OTHER COMPANIES
Many customers wish to reduce the amount of advertising that they receive from other companies both by mail and by phone. You may contact the following agencies:

•	Consumer Credit Reporting Industry (Credit Bureaus) – to remove your name from pre-approved credit solicitation lists: Call: 1-888-567-8688 Website: www.optoutprescreen.com
•	National Do-Not-Call Registry - to add your phone number to the National Do-Not-Call Registry: Call: 1-888-382-1222 Website: www.donotcall.gov
•	Direct Marketing Association to remove your name and address from mailing lists: Website: www.dmaconsumers.org/

PROTECTING YOUR IDENTITY
There are several things you can do to protect yourself and your family from identity theft and related crimes.

•	Helpful tips can be found on the Federal Trade Commissions Identity Theft website at www.ftc.gov/IDTheft or by calling 1-877-IDTHEFT. This website also provides you with important information on what you should do if you believe you are a victim of identity theft.
•	If you have been a victim of identity theft please contact a Harris representative at any Harris location or call us at one of the numbers listed in the Contact Us section of this brochure. Harris is a member of the Identity Theft Assistance Center (ITAC) and in certain situations Harris may refer you (free of charge) to them for further assistance including credit monitoring service. This not-for-profit cooperative effort helps victims of identity theft.
•	Review your credit report at least once a year. You are entitled to a free annual credit report from each of the three major credit bureaus, go online to www.annualcreditreport.com or call 1-877-322-8228.
•	For additional information on how to protect your privacy and security log onto our website at www.harrisbank.com and click on Security at the bottom of the page.

At Harris, your business is important to us, and we promise to do our best to safeguard your financial assets and personal and financial information about you. If at any time we can help you further, please do not hesitate to contact us.

Puede solicitar la versión en Español de este folleto. Por favor llame al teléfono 1-888-LEON-605 (1-888-536-6605) y pida que le envíen una copia por correo.

Harris^® is a trade name used by Harris N.A. and its affiliates.