Central Virginia Bank Privacy and Security Policy

PROTECTING YOUR PRIVACY - OUR COMMITMENT TO YOU
Central Virginia Bank has been providing quality products and services to its customers since 1973. While information is the cornerstone of our ability to provide quality service, our most important asset is our customer’s trust.
We appreciate the trust you have placed in us, and we will protect that trust by continuing to respect the privacy of all of our customers even if the formal relationship ends.
We want you to understand what information we collect and how we use it. This Privacy Policy applies to consumer accounts and reflects our commitment to your privacy.
INFORMATION WE COLLECT (Return to Top)
Nonpublic personal information includes information such as your social security number, account number, account balance, payment history, overdraft history, and debit or credit card purchase information.
We may collect this nonpublic personal information about you from:

Information we receive from you on applications or other loan and account forms.
Information about your transactions with us, our affiliates or others.
Information we receive from a consumer reporting agency such as credit bureaus.
Information about your Internet usage if you use our Internet site.

INFORMATION WE SHARE (Return to Top)
We may share information we collect about present and former customers with other companies within our family of companies. Our "family" is the group of companies related to us by common control or ownership.
We may disclose the following kinds of nonpublic personal information about you:

Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income.
Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions, and credit card usage.
Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

We may disclose nonpublic personal information about you to the following types of third parties:

Financial service providers, such as mortgage bankers, securities broker-dealers, and insurance agents;
Non-financial companies, such as marketing firms.

Such sharing of information will only be to companies with whom we have contractual relationships for marketing banking related or ancillary financial services on our behalf, which complement the services we provide, or to other financial institutions with whom we have joint marketing agreements. We may disclose information to third parties to assist us in servicing your loan or account with us or to government entities in response to subpoenas and to credit bureaus. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.
We will NOT sell nonpublic personal information to third parties.
We will NEVER share medical information you provide unless authorized by you.
YOUR RIGHT TO OPT OUT (Return to Top)
If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law).
If you wish to opt out of disclosures to nonaffiliated third parties, you may

Call our toll-free number (888) 282-4030 extension 2040, or
Send a fax to (804) 598-8306, Attention: Customer Privacy Department stating your decision to opt out, or
Visit a branch location, where we will indicate on our electronic records your decision to opt out, or
Complete the "Customer Information Privacy Form" available on our web site: www.cenvabank.com under “Privacy Policy”, or send by U.S. Mail to :
Central Virginia Bank
Customer Privacy Department
P.O. Box 39
Powhatan, VA 23139

In the case of a joint or co-owned account, we will consider notification from any owner electing to restrict the sharing of his or her nonpublic personal information (and its use in any marketing) as applying to all owners on the account.
SAFEGUARDING YOUR INFORMATION (Return to Top)
All Central Virginia Bank employees and others hired to work for us are held accountable for adhering to strict policies and procedures to prevent any misuse of your information as follows:

We restrict access to your personal and account information to those who need to know that information to provide products or services.
We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

ACCURACY OF INFORMATION (Return to Top)
We strive to ensure that your information is accurate in all respects. If we become aware of inaccuracies in our records, we will take prompt action to make appropriate corrections.
SAFEGUARDING YOUR IDENTITY (Return to Top)
We utilize a combination of safeguards to protect customer information, including employee training, rigorous security standards, data encryption and fraud detection.
We encourage you to partner with us in safeguarding your information. You can take the following steps to avoid becoming a victim of identity theft:

Don’t give your Social Security or account numbers to anyone over the phone unless you initiated the call.
Shred old receipts, old account statements and unused credit card offers.
Review your account and credit card statements as soon as you receive them to check for unauthorized transactions.
Protect your personal identification number (PIN) and computer passwords; use a combination of letters (both uppercase and lowercase), numbers, and special characters/symbols (if possible) and change them often. Never carry this information with you!
Order copies of your credit report once a year to ensure accuracy. Call any of the three national credit reporting agencies: Trans Union (800) 888-4213, Equifax (800) 685-1111 and Experian (888) 397-3742. You may also go to www.annualcreditreport.com to request your credit report.