Evans Bank, N.A. Privacy Policy

At Evans Bank, N.A. and its affiliated companies, we value each and every customer relationship. Customers such as you have entrusted us not only with your finances, but also with your personal information. To protect and maintain this relationship, we've enacted this Privacy Policy which will explain how we will maintain the confidentiality of the information you've shared with us. This Privacy Policy applies to (and in this Privacy Policy "we," "us" and "our" refer separately to each of) the following affiliated companies, which are banking and non-banking subsidiaries of Evans Bancorp, Inc.:

1.     Evans Bank, N.A.

2.     Evans National Financial Services, LLC.

3.     The Evans Agency, LLC.

4.     Evans National Leasing, Inc.

5.     Frontier Claim Services, Inc.

6.     Suchak Data Systems, LLC.

Recognition of a Customer's Expectation of Privacy
When you do business with us, you expect that the nonpublic personal information, which consists of nonpublic personal financial information and nonpublic personal health information, you provide us will be kept private and confidential. Nonpublic personal financial information is non-publicly available information about an individual who applies for or receives a financial or insurance product or service from us for personal, family or household purposes. Nonpublic personal health information is non-publicly available information about an individual's health, healthcare or payment for health care. We are committed to maintaining your privacy and safeguarding your account, transaction and personal information.

Use, Collection and Retention of Customer Information
Your relationship is important to us, and we're committed to providing you with the best service possible. We will collect, retain and use information, including nonpublic personal information, about our customers only where we reasonably believe it would be useful (and allowed by law) to administering our business and to provide products, services and other opportunities to you our customer.

Maintenance of Accurate Information
We have established procedures to ensure that your financial and insurance information is accurate, current and complete, in keeping with reasonable commercial standards. We pledge to respond to requests to correct inaccurate information in a timely manner.

Limiting Employee Access to Information
No employee of the Bank or its subsidiaries is permitted to use or disseminate any nonpublic personal information for any reason other than what is required for the normal performance of his/her job. We educate our employees so that they will understand the importance of confidentiality and customer privacy. We will also take appropriate disciplinary measures against any employee found to be in violation of our policies.

Protection Against Unauthorized Access to Information
We will maintain appropriate security procedures and physical and electronic measures to protect against unauthorized access to nonpublic personal information.

Restrictions of the Disclosure of Nonpublic Personal Financial Information

Information about your accounts and other transactions is private. We do not disclose nonpublic financial information to nonaffiliated third parties (including government agencies) except as allowed by and in accordance with applicable law. Examples of circumstances in which we may disclose nonpublic personal financial information of a consumer to a nonaffiliated third party are:

1.       For purposes of credit reporting, credit verification, risk management or dispute resolution;

2.       To complete a transaction requested or authorized by the consumer

3.       As authorized by the consumer

4.       To protect the confidentiality or security of records relating to the consumer, an account of the consumer or a transaction involving the consumer

5.       To prevent fraud or an unauthorized transaction

6.       To comply with applicable law in connection with a legal proceeding or governmental investigation or examination

7.       As described below in the section "Maintaining Customer Privacy in Business Relationships with Nonaffiliated Third Parties."
We believe that the disclosure of nonpublic personal financial information to our affiliated companies enables us to offer a full range of financial and insurance products and services to our customers. We may disclose nonpublic personal financial information to our affiliated companies but only as allowed by you and in accordance with applicable law.

Restrictions on Disclosure of Nonpublic Personal Health Information
We do not disclose nonpublic personal health information of a consumer to nonaffiliated third parties (including government agencies) or our affiliated companies except as authorized by the consumer or to perform insurance functions (for example, obtaining an insurance policy for the consumer or administering an insurance claim by the consumer) as allowed by and in accordance with applicable law.

Maintaining Customer Privacy in Business Relationships with Nonaffiliated Third Parties
To serve our customers in their financial and insurance relationships with us, we occasionally contract with nonaffiliated third parties (for example, check printing and data processing companies) to perform services for us. We only disclose nonpublic personal information to those nonaffiliated third parties to the extent necessary for them to perform those services. We require them to keep and use the information only as we intend it to be kept and used and to disclose it only as allowed by and in accordance with applicable law.

Disclosure of Information for Marketing Purposes
We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:

    Information we receive from your 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, parties to transactions, and credit card usage.
    Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

Providing Privacy Policy to Consumers
We recognize and respect the privacy expectations of our customers. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. This Privacy Policy is readily available to consumers. If you have any questions about this Privacy Policy or about the privacy of your nonpublic personal information, please call us at (716) 926-2000, write us at One Grimsby Drive, Hamburg, NY 14075 or contact us at EasENet@evansbank.com.

This Privacy Policy applies only to individuals as consumers and not as operators of a business and does not apply to corporations and other organizations. We reserve the right to change this Privacy Policy, and any procedure referred to in this Privacy Policy, at any time without any notice. This Privacy Policy is for general guidance and does not constitute a contract, create any legal right or change any agreement between us and any of our customers or anyone else.

How To Opt Out
If you do not want us to share non-public personal information about you with our affiliated companies, you may direct us not to do so by returning this form to:
Evans Bank
Privacy Opt-Out
One Grimsby Dr.
Hamburg NY 14075