Let us begin by defining some terms that you will see in this notice.

"We," "Our," and "Us" refer to Independence Bank.
"You and "your" refer to our customers who seek or obtain
financial products or services for personal, family or household
purposes.
"Affiliate" means 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.
"Nonaffiliated Third Party" means a person who we do not employ
or a company that is not our affiliate.
"Nonpublic Personal Information" means personally identifiable
financial information you provide to us in connection with a
financial product or service. Nonpublic personal information does
not include information that is available from public sources, such
as telephone directories or government records. Hereafter, we will
also use the term "personal information" to mean nonpublic
personal information as defined in this section.

We understand the importance of keeping your personal information confidential and are committed to protecting your privacy.

We hold our employees to strict standards of conduct to ensure the confidentiality of your personal information. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.

We protect personal information we collect about you by maintaining physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

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

Information we receive from you on applications or other forms;
Information about your transactions with us, our affiliates, or
others; and
Information we receive from a consumer reporting agency.

We do not sell your personal information to third parties.

We may disclose the following information to companies that perform marketing services on our behalf:

Information we receive from you on applications or other forms,
such as your name and address; and
Information about your transactions with us, such as your account
balance, payment history, parties to transactions, and card usage.
We may also disclose nonpublic personal information about you
to nonaffiliated third parties as permitted by law.

We want to keep your account information accurate and up-to-date. You may verify the accuracy of your information by reviewing your account statements, using our Online Banking service, or dialing our toll free customer service phone number. If you ever find that your account information is inaccurate, incomplete or out dated, please notify us immediately by calling (888) 414-0500.

If you decide to close your account(s), we will adhere to our privacy policies and practices provided in this notice.

Updates to Our Privacy Policy:

We provide our customers with written notice of our privacy policy on an annual basis. Our privacy policy may change from time to time. You can always view our current privacy policy on our website at www.independence-bank.net or request a copy by phone at (888) 414-0500.

Online Banking:

You may learn more about Independence Bank and the services we offer by logging onto our website at www.independence-bank.net. If you wish to access the Online Banking component of our website, you will be asked to provide us with information that we use to verify your identity, such as your name, account number, or date of birth. You may also provide us with information relating to your online transaction requests, such as bill payment payees, account numbers, and payment addresses. We do not disclose information that we collect from our website to anyone, except as mentioned above under the section entitled “Sharing Information”.