PRIVACY POLICY

Changes to the Privacy Policy

If we make changes to the Privacy Policy or make any material changes to our services, we will revise the Privacy Policy to reflect such changes and revise the policy's effective date. This Notice covers customers who enroll in the biweekly mortgage paydown program with Avalon Financial Corp. This Notice explains how we collect and disclose customer information that we obtain in connection with providing you financial products and services.

Confidentiality And Security

Protecting customer information has always been important to us. Access to customer information is limited to those persons who need to know that information. For example, access to customer information is needed to resolve questions or inquiries, for internal security or fraud control, to provide products or services, or to protect or enforce our rights. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard customer information.

Customer Information We Collect

We collect customer information about you from the following sources: (1) Information we receive from you on applications or other forms, (2) Information about your transactions or relationships with us and with third parties such as mortgage companies with which you have your mortgage. Our Policy About Disclosing Customer Information Outside Of Avalon Financial Corp. We do not disclose any customer information we collect about our customers or former customers to third parties outside of Avalon Financial Corp., except as permitted or required by law. These exceptions are described below. Since this is our policy, there is nothing you need to do to request us not to share customer information with such third parties.

Exceptions

Other examples of when we disclose customer information outside of Avalon Financial Corporation are as follows:

  1. In connection with audits by any state or federal governmental agency.
  2. For fraud, security or risk control.
  3. To help complete a transaction you initiate, including information requested to verify the existence or condition of an account.
  4. To resolve disputes or inquiries you may have about your account.
  5. With your consent or at your direction, which may be oral, in writing, by telephone, electronic or other means we recognize.
  6. When disclosure is required by law, such as pursuant to court order, subpoena, legal process or government agency examination or investigation, or to protect or enforce our rights.
  7. To companies that perform services for us in connection with your accounts, such as data processing and software companies and collection agencies.
  8. As otherwise necessary to service your account including any transaction with your mortgage company, or as permitted or required by law.

Identity Theft

The law provides certain rights to victims of identity theft. If you believe you are a victim of identity theft with respect to any of your accounts or transactions with us, please notify us to protect these rights at: Avalon Financial Corp., 24803 Detroit Road, Suite 5, Westlake, Ohio 44145. Please provide as much detail as possible about the accounts or transactions in question, including any dates and account or transaction numbers that apply. We will contact you to discuss additional information necessary to resolve the matter.

Important Information About Procedures For Enrolling in the Biweekly Mortgage Paydown Program 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 enroll in our program, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver's license or other identifying documents.

Rev. 9/2005

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