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Orrstown Bank Privacy Guidelines

At Orrstown Bank, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with Orrstown Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We pledge the following privacy principles

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1. The privacy of customer information is a top priority.
At Orrstown Bank, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customer's trust. Thus, safekeeping and privacy of customer information is a priority for Orrstown Bank.

2. Information is collected only when it will help provide products and services to you.
We collect, retain, and use information about you only where we reasonably believe that it will help administer our business or provide products, services, and other opportunities to you. We collect and retain information about you only for specific business purposes - and we will tell you why we are collecting and retaining it upon your request.

3. Keeping your personal information accurate is a vital concern.
We have established procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable commercial standards. We also pledge to respond to requests to correct inaccurate information in a timely manner.

4. Employee access to your information is limited.
At Orrstown Bank, employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information and on these Privacy Principles.

5. The security of your information is respected. We are committed to the security of your financial and 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.

6. Maintaining your privacy in Third Party Business Relationships.
When the bank conducts business with third parties, it requires its vendors and suppliers to adhere to the same standards of conduct regarding the privacy of personally identifiable customer information as we have established for ourselves.

Information Collected via On-Line Communication

Orrstown Bank does not collect and store information about the name of the domain from which you access our site. We collect aggregate information on the number of visitors to specific areas of our website. This information simply allows us to tell which areas of the site are of most interest to our users.

When sending us an email, you may be asked for personal information in order to process your email, form or application. We may retain this information for processing. We may also contact you for additional information to process your request. We ask that you do not send confidential information to us via email. If communication is very sensitive, or includes personal information like your account numbers, credit card numbers, or social security number, we suggest you call us or send it by regular mail.

Users should be aware that other Internet sites to which hyperlinks from our site connect to may contain privacy provisions that differ from the provisions provided herein. Orrstown Bank is not responsible for such provisions and disclaims any and all liability related to such provisions.

Orrstown Bank has provided you with these privacy guidelines for your education and protection. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how Orrstown Bank protects your confidential information, please call or stop by your local branch or e-mail us at Mybank@orrstown.com.

These privacy guidelines are effective March 2006 and may be modified from time to time.