Disclosures

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. In some cases, identification will be requested for current account holders if original documentation was not obtained with the opening of the account.

We ask for your understanding as we work to support these efforts to maintain the security of your funds and our country.

Rev. 01/2012

At 1st Bank of Sea Isle City (“We”, ”Us”, ”Our”, “the Bank”) the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with us, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy and have outlined our Privacy Policy Below.

Before you access any 1st Bank of Sea Isle City website, such as at https://www.1stbankseaisle.com, enroll in or use our products or services, or provide any non- public information to us, you should review this Privacy Statement to understand our information collection and use practices.

Confidentiality

At 1st Bank of Sea Isle City, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. While information is critical to providing quality service, we recognize that one of our most important assets is our customers’ trust. Thus, the safekeeping of customer information is a priority for 1st Bank of Sea Isle City.

Each 1st Bank of Sea Isle City employee is required to follow our Company “Code of Ethics” which states that all customer information is considered private and privileged and is to be used solely for the purpose of providing you with the finest service available.

Security

We are committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards and use reasonable measures to protect your information from unauthorized access.

When you access your information on our website, all of your information is transmitted through the Internet using Transport Layer Security (TLS) technology. TLS technology causes your browser to encrypt your order information before transmitting it to our secure server. We use a variety of security technologies depending on the situation to help protect your information from unauthorized access, use, or disclosure, such as physical access controls, TLS, Internet firewalls, and network monitoring. However, no security system is 100% secure, and therefore we cannot guarantee the security of your information or assume liability for improper access to it. We require you to use a password to help protect your information, it is your responsibility to keep your password confidential, change the password frequently and use a strong password. We strongly recommend that you do not share this password with anyone.

Information We Collect

Information about our customers is accumulated from a variety of sources. Some information is provided to 1st Bank of Sea Isle City directly by customers themselves. Other data is developed by 1st Bank of Sea Isle City as a function of providing a product or service to a customer. Still other information is obtained from outside sources. We will limit the use and collection of information about our customers to that which is necessary to administer our business, provide superior service, and offer opportunities that we think will be of interest to our customers. This means that we will use information to help us identify and mitigate potential risks or loss to the Bank. We will also use information to help us identify additional information only in accordance with the principles set forth in this policy.

We continually strive to maintain complete and accurate information about you and your accounts, and may occasionally ask you to confirm or provide additional information. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us as soon as possible so that we may investigate your concerns and correct any inaccuracies.

Tracking and Location Information. We may collect and/or track certain information that is derived from the use of our products such as usage patterns, travel patterns, web site page views and traffic patterns. We may use this tracking and location information for statistical purposes to improve our products and services and to help users improve their experience on our website.

Mobile Device Information. When our products are accessed via a 1st Bank of Sea Isle City Application installed on the device, our servers automatically record information that may include: the MAC (Media Access Controller) addresses from the network card in or used with your devices; web requests, Internet Protocol addresses, phone numbers, browser types, browser languages, the date and time of request; and other information regarding internet connection activities. In addition, the information collected and tracked may include real-time GPS location tracking and mapping, including analysis of location data and history; The mechanisms that allow smartphones and mobile devices to be monitored run in the background of the devices. Individuals are notified that these functions may occur, but may not be aware when these functions are occurring in real time.

Cookies and Similar Technologies

“Cookies” are small text files that are placed on your computer, smartphone or other device when you visit a website. 1st Bank of Sea Isle City may work with third party service providers and partners including marketing partners, customer service providers, and others to use cookies and similar technologies for a number of purposes. For example, these technologies are used in:

• For authentication and to help you sign up for our services.
• Analyzing site usage trends;
• Tracking users’ movements around the site;
• Gathering information about visitors to our website (including age and location);
• Identifying users to remember users’ settings (e.g. a greeting or other preference);

How We Use Your Information

It is 1st Bank of Sea Isle City’s policy not to reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of a bona fide corporate due diligence or business matter unless,

1. the information is provided to help complete a customer-initiated transaction; or
2. the customer requests or permits it; or
3. the disclosure is required by or allowed by law (e.g., subpoena, investigation of fraudulent activity, request by regulator, etc.); or
4. the customer has been informed about the possibility of disclosure for marketing or similar purposes through a prior communication and given the opportunity to decline (i.e. “opt-out”).

When 1st Bank of Sea Isle City conducts business with third parties, we requires our vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

When it comes to sharing customer information with unaffiliated companies, 1st Bank of Sea Isle City places strict limits on who receives specific information about customer accounts or other personally identifiable data. The Bank may share information with such companies if they provide a product or service that may benefit our customers. Whenever we do this, we carefully review the company and the product or service to make sure that it provides value to our customers. We share the minimum amount of information necessary for that company to offer its products and services.

We may also share information with unaffiliated companies when they assist us in providing our products and services to our customers in the normal course of our business (for example, with consumer reporting agencies and government agencies); when it is legally required or permitted in connection with fraud investigation and litigation; in connection with acquisitions and sales; and at the request or with the permission of the customer.

In addition, we may use the information we collect to provide and enhance our products and services, for statistical analysis, for product development, to contact you regarding our products and services, to monitor and maintain our network, and to address issues that may arise concerning claims of abuse or inappropriate activity.

For example, we may use the information we collect for the following purposes:

• Displaying personalized content;
• Informing you of other products or services offered by us;
• Engaging you in relevant surveys;
• Providing you with additional materials regarding our products and services;
• Connecting you with a 1st Bank of Sea Isle City representative via our Online Chat function;
• Verifying your identity before responding directly to your questions, comments or requests for support;
• Improving our marketing and promotional efforts; and
• Enforcing our agreements with you.

If our use of your data is governed by the European Union’s General Data Protection Regulation (“GDPR”), we will process your personal information as follows:
Delivery of a Product or Service: If you have enrolled in a product or service from or opened an account with 1st Bank of Sea Isle City, we may need to collect and use your personal information to perform the services which you have requested.

Legal Obligations: In some circumstances we may be required to process your data to comply with legal obligations to which we are subject.

Consent: Some of the personal information we collect is provided by you voluntarily, for example when you open an account or enroll in Internet Banking, and is therefore collected and used with your permission. You cannot withdraw your permission for use to use your information for these purposes while your account is open or you are making use of one of our products or services.

Legitimate business purposes: We may use your personal information for our legitimate business purposes, such as to improve our products and services and the content on our website. We may also use your contact information to keep you provide up-to-date information on recent product and service enhancements. It you wish us to stop using your contact information in this manner, you can contact us by using our “Contact Us” form.

Data Retention

We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services, please contact your nearest branch office. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Changes to this Policy

We reserve the right to modify this Privacy Statement at any time. If we make material changes to this Policy, you will be notified by paper mail or by means of a notice on our home page prior to the change becoming effective.

Last Updated: 2/15/2022
1st Bank Sea Isle MobileMoney (the “App”)—powered by Fiserv—helps you control your credit and/or debit cards through your mobile device, making it easy to manage your finances on the go.
The App allows you to:

• Get real-time balances for your accounts.
• Manage your money.
• View your transactions and statements.
• Make transfers.
• Pay your bills and manage billers.
• Deposit a check.
• Receive alerts.
• Manage cards.

This Privacy Policy, in combination with other relevant privacy notices that we provide—
Example: pursuant to financial privacy laws—is to inform you of the policies and practices regarding the collection, use and disclosure of any personal information that we and our service providers collect from or about users in connection with the App’s website, and mobile application (the “Services”).

THE TYPES OF INFORMATION WE COLLECT IN THE APP

Through your use of the Services, we may collect personal information from you in the following ways:

(a) Personal Information You Provide to Us
• We may collect personal information from you, such as your first and last name, address, email, telephone number, and social security number when you create an account.
• We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.
• If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply.
• We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services.

(b) Personal Information Collected from Third Parties—We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.

(c) Personal Information Collected Via Technology—We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications, and other online services, such as:
• Device data, such as your computer or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (example: phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (example: Wi-Fi, LTE, 3G), and general location information such as city, state, or geographic area.
• Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.
• Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.
• Local storage technologies, like HTML5 and Flash, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.
• Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.
• Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect your location information when you use the Services; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.

HOW WE USE YOUR INFORMATION COLLECTED IN THE APP

(a) General Use—In general, we use your personal information collected through your use of the Services to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. We use your personal information, in connection with the App, in the following ways:
• Facilitate the creation of, and secure and maintain your account;
• Identify you as a legitimate user in our system;
• Provide improved administration of the Services;
• Provide the Services you request;
• Improve the quality of experience when you interact with the Services;
• Send you administrative email notifications, such as security or support and maintenance advisories; and
• Send surveys, offers, and other promotional materials related to the Services.
(b) Compliance and protection—We may use your personal information to:
• Comply with applicable laws, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities;
• Protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims);
• Audit our internal processes for compliance with legal and contractual requirements and internal policies;
• Enforce the terms and conditions that govern the Service; and
• Prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical, or illegal activity, including cyberattacks and identity theft.
(c) Creation of Non-Identifiable Data—The App may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non-identifiable information to third parties in our discretion.

DISCLOSURE OF YOUR PERSONAL INFORMATION

We disclose your personal information collected through your use of the Services as described below:

(a) In Accordance with Our Other Privacy Notices—Other than as described in this Privacy Policy in connection with the App, this Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information.
(b) Third Party Service Providers—We may share your personal information with third party or affiliated service providers that perform services for or on behalf of us in providing the App, for the purposes described in this Privacy Policy, including: to provide you with the Services; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the Services; to provide technical support; and/or to provide other services to the App.
(c) Authorities and Others—Regardless of any choices you make regarding your personal information, The App may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.

LINKS TO OTHER SITES

The App may contain links to third party websites. When you click on a link to any other website or location, you will leave the App and go to another site, and another entity may collect personal and/or anonymous information from you. The App’s provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to read the privacy policy of every website you visit.

YOUR CHOICES REGARDING YOUR INFORMATION

You have several choices regarding use of information on the Services.

(a) How We Respond to Do Not Track Signals—Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not take action in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals.
(b) Access, Update, or Correct Your Information—You can access, update, or correct your information by changing preferences in your account. For additional requests, please contact us.
(c) Opting Out of Email or SMS Communications—If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the "unsubscribe" link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under
"Contact Us" below. If you provide your phone number through the Services, we may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.
(d) Opting Out of Location Tracking—If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, i f you withdraw consent to our collection of location information, you may no longer be able to use some features of the App.

SAFEGUARDS AND RETENTION

We implement reasonable administrative, technical, and physical measures in an effort to safeguard the information in our custody and control against theft, loss and unauthorized access, use, modification, and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information.

A NOTE ABOUT CHILDREN

The Services are not directed towards individuals under the age of 18, and we do not, through the App, intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us through the App and we learn that the personal information is the information of a child under 18, we will attempt to delete the information as soon as possible.

PRIVACY POLICY UPDATES

This Privacy Policy is subject to occasional revision. We will notify you of any material changes in its collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Policy will be effective thirty (30) calendar days following notice of the changes on the Services. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify us prior to the effective date of such changes that you wish to deactivate your account. Continued use of the Services following notice of any such changes shall indicate your acknowledgment of such changes.

CONTACT US

If you have any questions or complaints about this Privacy Policy or The App’s data collection or processing practices, or if you want to report any security violations to The App, please contact The App by email at: 1stbankappdev@1stbankseaisle.com; or by mail at:
1st Bank of Sea Isle City
Attn: Internet Banking
4301 Landis Avenue
Sea Isle City, NJ 08243

The Unlawful Internet Gambling enforcement Act (UIGEA) prohibits any person engaged in the business of betting or wagering, as defined in the Act, from knowingly accepting payments in connection with the participation of another person in unlawful Internet gambling. The Department of the Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act.

As defined in Reg GG, unlawful Internet gambling means to 'place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the Internet where such a bet or wager is unlawful under any applicable Federal or State law or tribal lands in which the bet or wager is initiated, received or otherwise made'.

1st Bank of Sea Isle City prohibits unlawful Internet gambling transactions from being processed through your account or banking relationship including but not limited to your ATM or Debit Card. 1st Bank of Sea Isle City will not open accounts for customers engaged in any Internet gambling business, including legal Internet gambling businesses.