Bay Bank & Trust Co. is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the Bay Bank & Trust Co. Web site and governs data collection and usage. By using the Bay Bank & Trust Co. website, you consent to the data practices described in this statement.

Collection of your Personal Information

Bay Bank & Trust Co. collects personally identifiable information, such as your e-mail address, name, home or work address or telephone number. Bay Bank & Trust Co. also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by Bay Bank & Trust Co.. This information can include: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by Bay Bank & Trust Co. for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Bay Bank & Trust Co. Web site.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Bay Bank & Trust Co. public message boards, this information may be collected and used by others. Note: Bay Bank & Trust Co. does not read any of your private online communications.

Bay Bank & Trust Co. encourages you to review the privacy statements of Web sites you choose to link to from Bay Bank & Trust Co. so that you can understand how those Web sites collect, use and share your information. Bay Bank & Trust Co. is not responsible for the privacy statements or other content on Web sites outside of the Bay Bank & Trust Co. and Bay Bank & Trust Co. family of Web sites.

Use of your Personal Information

Bay Bank & Trust Co. collects and uses your personal information to operate the Bay Bank & Trust Co. Web site and deliver the services you have requested. Bay Bank & Trust Co. also uses your personally identifiable information to inform you of other products or services available from Bay Bank & Trust Co. and its affiliates. Bay Bank & Trust Co. may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

Bay Bank & Trust Co. does not sell, rent or lease its customer lists to third parties. Bay Bank & Trust Co. may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, Bay Bank & Trust Co. may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Bay Bank & Trust Co., and they are required to maintain the confidentiality of your information.

Bay Bank & Trust Co. does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

Bay Bank & Trust Co. keeps track of the Web sites and pages our customers visit within Bay Bank & Trust Co., in order to determine what Bay Bank & Trust Co. services are the most popular. This data is used to deliver customized content and advertising within Bay Bank & Trust Co. to customers whose behavior indicates that they are interested in a particular subject area.

Bay Bank & Trust Co. Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Bay Bank & Trust Co. or the site; (b) protect and defend the rights or property of Bay Bank & Trust Co.; and, (c) act under exigent circumstances to protect the personal safety of users of Bay Bank & Trust Co., or the public.

Use of Cookies

The Bay Bank & Trust Co. Web site use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Bay Bank & Trust Co. pages, or register with Bay Bank & Trust Co. site or services, a cookie helps Bay Bank & Trust Co. to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Bay Bank & Trust Co. Web site, the information you previously provided can be retrieved, so you can easily use the Bay Bank & Trust Co. features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Bay Bank & Trust Co. services or Web sites you visit.

Security of your Personal Information

Bay Bank & Trust Co. secures your personal information from unauthorized access, use or disclosure. Bay Bank & Trust Co. secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Changes to this Statement

Bay Bank & Trust Co. will occasionally update this Statement of Privacy to reflect company and customer feedback. Bay Bank & Trust Co. encourages you to periodically review this Statement to be informed of how Bay Bank & Trust Co. is protecting your information.

Contact Information

Bay Bank & Trust Co. welcomes your comments regarding this Statement of Privacy. If you believe that Bay Bank & Trust Co. has not adhered to this Statement, please contact Bay Bank & Trust Co. at jpadgett@baybankandtrust.com. We will use commercially reasonable efforts to promptly determine and remedy the problem.