Provident Bank

Privacy Notice

At Provident Bank, we are committed to protecting the information you provide to us. The information we receive is used to provide our customers with superior service and convenient access to the right products and services. To serve your financial needs, we collect, maintain, and use information about you on a routine basis. So, to help you better understand how your personal information is protected at Provident Bank, we are providing you with the following statement describing our policies and practices regarding the privacy of consumer and customer information. In the event you terminate your customer relationship with us, or become an inactive customer, we will continue to adhere to the policies and practices described in this disclosure or any future amendments to this disclosure.

Customer Information We Collect
In the ordinary course of business, we collect, retain and use information about you to serve your financial needs, to administer your account(s) with us and to keep you informed of products and services that may be of interest to you. This information, known as nonpublic personal information, is collected from several sources and includes:

information we receive from you on applications and other forms, such as name, assets and income;
information about your transactions with us, our affiliates, nonaffiliated third parties and others, such as information about your account balance, payment history, parties to transactions and debit card usage; and
information we receive from credit reporting agencies, such as credit reports.

Customer Information We Share

Disclosing Your Information Among The Provident Bank Family Of Companies (Our Affiliates)
Provident Bank may disclose nonpublic personal information about you, as described above, and the products and services you obtain from us to our family of companies that provide financial products and services, such as our mortgage investment affiliate. Sharing your information with our family of companies enables us to serve you more efficiently and makes it more convenient for you to do business with us.

Provident reserves the right, in the future, to disclose the nonpublic personal information we collect, as described above, to our family of companies such as insurance agencies, personal financial planning firms, securities broker-dealers, consumer or mortgage finance companies and other providers of financial products and services with whom we may become affiliated.

Fair Credit Reporting Act
Under the Fair Credit Reporting Act, we may share identification, transactional and experience information about you, such as your name, address, account balance and payment history with our affiliated companies. However, you have the right to prohibit us from sharing externally gathered personal information about you with our family of companies. Externally gathered information may include credit reports, information from third parties such as other creditors, financial institutions or investment companies, and such information could be obtained from applications, credit reports or other sources.

If you do not want us to share externally gathered personal information about you among our family of companies, simply call our Customer Care Center at (845) 369-8551.

Disclosing Your Information Outside Of Provident Bank And Its Family Of Companies
We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. For example, we may offer insurance and uninsured investment products through arrangements with nonaffiliated third party financial service providers such as insurance agencies and securities broker-dealers to enhance and expand the financial products and services available to our customers. In many cases, information sharing is necessary for us to perform business functions and services for you, such as processing your bill payments.

How We Protect Your Information
Protection of your nonpublic personal information is important to us and guarding your privacy is our obligation. We maintain physical, electronic and procedural safeguards that comply with federal law to protect your nonpublic personal information. We train our employees and agents to be sensitive about confidentiality and your privacy. We restrict access to nonpublic personal information about you to those employees who have a business reason to know that information so that we can provide products and services to you.

A cookie is a very small text file sent by a web server and stored on your hard drive, your computer's memory, or in your browser so that it can be read back later. Cookies cannot "read" information about you from your computer or be used to "steal" information about you; and cookies don't carry viruses. Cookies are a basic way for a server to identify you (most cookies actually identify the computer you happen to be using at the time, not you personally). Cookies are used for many things from personalizing start up pages to facilitating online purchases. Cookies help sites recognize return visitors and they perform a very important function when you engage in secure Internet banking. For your security, we do not store any of your personal information in our cookies. The cookies used in our Internet banking system are further described below.

Internet Banking Cookies: Provident Internet Banking uses encrypted cookies that do not pass to your computer's hard drive. Instead, the cookie is stored in your computer's memory, identifying only your computer while you are logged on. Only Provident Internet Banking can read the information in these cookies. This Internet banking cookie allows Provident Internet Banking to process multiple transactions during your session without requiring you to reenter your pass code for each individual transaction. The cookies for Internet banking simply provide another level of security for our Internet banking product. When you log off, or close your browser, the cookie is destroyed. A new cookie is used for each session. That way, no one can use the prior cookie to access your account. For additional security, the cookie expires after 10 minutes of inactivity. It must then be renewed by reentering your pass code.

Provident Internet Banking does not (and cannot) use this cookie to collect or obtain new personal information about you. You must allow your browser to accept this cookie so you can use the Internet banking system.

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