FRONTIER BANK PRIVACY NOTICE

Frontier Bank collects 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 or others; and,
•   Information we receive from a consumer reporting agency.

Frontier Bank does 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 services on our behalf or to other financial institutions with whom we have joint marketing agreements. Our agreements with those parties require them to use your information responsibly and limit their ability to share this information with other parties.

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

Frontier Bank restricts access to your personal and account information to those employees who need to know that information to provide products or services to you. Frontier Bank maintains physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.