Privacy Disclosure
This policy applies to Eastern Michigan Bank and its affiliate Eastern Michigan Mortgage Company LLC., and is disclosed to all customers initially and annually in compliance with the Gramm-Leach Bliley Act.

Our customers are our highest priority, so naturally we want to protect the personal and financial information you've entrusted to us.   For this reason, we would like to explain some of our procedures which are intended to protect your privacy.

Information We Collect About You
We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us, our affiliates, or others
• Information we receive from a consumer-reporting agency

Service Providers & Joint Marketers
We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:

• 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

The entity with whom we share non public information is a financial institution with whom we have a joint marketing agreement.

Confidentiality & Security
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.

We continuously educate our employees so they understand the importance of confidentiality and customer privacy. Our employees understand that disciplinary measures are enforced in order to uphold our integrity.

We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic 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.

Procedures For Opening New Accounts
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.