At 1ST SUMMIT BANCORP of Johnstown, Inc., (the Company) and its affiliates, 1ST SUMMIT BANK and Cambria Thrift Consumer Discount Company, our mission is to be the premier financial relationship provider in our markets. As financial services professionals entrusted with sensitive information, we respect the privacy of our customers and are committed to treating customer information responsibly. 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 have created this Privacy Policy Notice to communicate our privacy commitment to you and to serve your privacy needs.

Recognition of Customer's Expectation of Privacy

  We believe the confidentiality and protection of customer information is one of our fundamental responsibilities. We recognize your right to privacy and that you have a right to expect your personal financial information to remain private and secure. We will maintain standards to ensure that your privacy is not compromised.

How We Gather Information to Understand Your Financial Needs.

The information we gather about you helps us to better understand your financial needs and to provide more personalized service.

  We collect nonpublic personal information about you from the following sources:

•   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, and credit card usage;
•   Information we receive from consumer reporting agencies, such as: your credit worthiness and credit history.
•   Information obtained when you use online products and services, such as: applications, transaction information and information contained in emails you send us.

  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 use information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your financial needs so that we can provide you with quality products and superior service. We do not sell customer names or addresses to third parties for their independent use.

How We Manage Information to Serve Your Financial Needs

Disclosure Permitted By Law

  In an effort to be able to offer a broader array of financial products and services to you, from time to time, we may disclose the information listed above to companies with which we have joint marketing agreements and to service providers (for example - securities/broker dealer firms, insurance companies, and check printing companies).

Outside of 1^ST SUMMIT BANCORP

Occasionally we may be required to provide information about you to third parties outside of our corporate family without your consent, as permitted by law, such as,

• To respond to a subpoena or court order, judicial process, or regulatory authorities;
• To consumer reporting agencies;
• To protect against fraud.

Maintaining Customer Privacy in Business Relationships with Third Parties

  When we do provide customer information to a third party, we will insist - through a written agreement - that the third party adhere to privacy principles similar to those which we adhere to for keeping this information confidential.

Within 1^ST SUMMIT BANCORP

  Information may be shared with our affiliates in order to provide financial products or services when we believe a product or service may be of interest to a customer, or when otherwise legally permitted or required. In accordance with the Fair Credit Reporting Act (FCRA), the Company will only provide information relating to its own dealings/experience with the subject of any credit inquiry, including the status of any loans or deposits. Non-experience information, including but not limited to credit bureau information, shall only be shared with affiliates after the customer has been given the opportunity to decline ("opt out") in accordance with the FRCA, or as otherwise legally permitted or required.

How We Protect Your Privacy Online

Protecting customer information online is an essential part of our service to you.

• Our sytems use technologies such as firewalls (which protect systems from intrusion) and encryption(scrambling of information) to protect customer information.
• We validate your identity through confidential access codes before we allow online access to your accounts.

  If you do not want us to share among our family of 1ST SUMMIT BANCORP companies personal information, such as income, assets, liabilities contained in applications or financial statements, or information we receive from a consumer reporting agency, please click here, print the form, complete it and mail it to:

  If you make such a request, it will apply to all of your consumer relationships with all companies within the corporate family. If you have a joint account, a request by one party will apply to the entire account.

  We will honor your choice on restricting information sharing. However, the restriction does not extend to the sharing of other information, including your name and address, and your account transactions and experiences, within the corporate family.

Our Former Customers

  Even if you are no longer a customer, our Privacy Policy will continue to apply to you.

Protection of Information via Established Security Procedures

  We take steps to safeguard customer 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 restrict access to the personal and account information of our customers to those employees who need to know that information in the course of their job responsibilities. We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect customer information.

Other Information