Disclosures

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.

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.