From the time it was founded, Virginia Bank & Trust has always valued its customers’ privacy highly. We have protected your confidential information in many ways over the years, and will continue to do using state-of-the-art measures. We never lose sight of the fact that our customers’ trust is our most treasured asset. You are assured that our corporate focus is the protection of your privacy in your dealings with us. When the new privacy law took effect, we did not have to make any changes to our policy or practices to be fully in compliance. If you ever have any questions about the confidentiality of your information in our hands, please call us. Every day, we appreciate your business. Thank you for banking with us.

• Definitions
• Categories of Information that We Collect
• Categories of Third Parties to Whom We Disclose Information
• Confidentiality and Security of Your Information

For the purpose of this notice, the terms listed below have the definition shown:

• Customer: A customer is a person that has a continuing relationship with Virginia Bank & Trust for a personal, family or household purpose.
• Affiliate: An affiliate is a company Virginia Bank & Trust owns or controls, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us.
• Nonaffiliated third party: A nonaffiliated third party is a company that is not an affiliate of Virginia Bank & Trust.
• We, our and us mean Virginia Bank & Trust.
• You and your mean present and former customers of Virginia Bank & Trust.

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Categories of Information that We Collect

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

• Information we receive from you on applications or other forms you provide to us;
• Information that we receive from processing your accounts with us and the transactions in those accounts, as well as information that we receive from providing services to you; and
• Information we receive from a consumer reporting agency.

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Categories of Third Parties to Whom We Disclose Information

We do not disclose nonpublic personal information about current or former customers except as permitted by law.

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Confidentiality and Security of Your Information

It is the policy of Virginia Bank & Trust to assure that the information it has about its customers is accurate. It is also the policy of Virginia Bank & Trust that information it has about its customers is highly confidential and should only be available to persons who have a need for the information to properly service a customers' account, act upon a customers’ request or to fulfill that person’s job responsibility. Virginia Bank & Trust has extensive security procedures that insure that its confidentiality policy is followed. Customer information is maintained in paper-based files and electronic databases. All paper-based files are kept under the control of a file custodian. The custodian restricts access to every file to bank personnel who have a need to access the information in the file to properly carry out his or her job responsibility. The bank’s automation systems have a complex set of passwords, user identifications and terminal identifications that limits each employee’s access to information in the systems to that information that he or she requires to properly carry out his or her job responsibility. In addition, Virginia Bank & Trust has a complex system or “firewalls” surrounding its automation systems to ensure that access by unauthorized persons is prevented. Virginia Bank & Trust maintains physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

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