Country Bank considers it our responsibility to keep transaction information accurate and secure and therefore it will not be shared or sold to a third party for marketing purposes without the specific consent of our customer.

It is the responsibility of the bank's compliance officer to administer Country Bank's privacy policy.

The bank will not disclose specific information about customer relationships unless:

1. The customer requests or authorizes it.
2. The information is provided to help complete a transaction initiated by the customer.
3. The information is supplied to a reputable credit bureau or reporting agency.
4. The release is necessary so that a vendor can perform under a bank contract (e.g., data processing).
5. The information is legally required or allowed by law (i.e. required by court subpoena, government financial regulators or law enforcement investigations).

The compliance officer will establish internal procedures:

1. To provide all new employees with the Bank's privacy policy statement.
2. Communicate to existing employees the importance of maintaining the confidential nature of customer information.
3. Review the level of employee access to customer information on a need to know basis.
4. Communicate with all bank managers and supervisors the necessity of reporting all known situations in where customer confidentiality has been violated by bank employees.

The contracts with third party companies to provide processing and services, which will provide our customers with banking and related products, will require the third party maintain confidentiality. The bank will not knowingly do business with any third party provider who violates or causes to be violated the confidential banking customer relationship.
We do not share information about former customers, except as permitted by law.
All contracts with third party companies that involve access to customer information will be reviewed to ascertain provisions are in place to protect the integrity of the bank's customer information. When appropriate, copies of the third party companies' adopted privacy policies will be required.

The information that we collect:

• Information we receive from you on applications or other forms.
• Information about your transactions with us.
• Information about your transactions with non-affiliated third parties.
• Information from a consumer-reporting agency.

The bank employs a number of procedures to provide for accuracy and security of its transactions. Such procedures include the use of internal bank passwords, the review of employee actions and the limiting of customer account access.

Country Bank will communicate its privacy policy:

1. By providing all customers a written initial notification of the privacy policy.
2. On an annual basis provide a disclosure of the bank's privacy policy to all customers.

The compliance officer will provide the Board of Directors with an annual report of the actions taken to assure bank compliance to this policy.
Adopted by the Country Bank Board of Directors: May 2003. 

Country Bank
107 E. Willis Street, Prescott, AZ 86301
Telephone 928-443-9595 Fax 928-777-0694