1. Mission Statement on Privacy and Confidentiality:
   At SSBBank, our mission is to meet the desires of our customers. As financial services professionals entrusted with sensitive financial information, we respect the privacy of our customers and are committed to treating customer information responsibly. Our Customer Information Privacy Principles serve as standards for all SSBBank employees for collection, use, retention, and security of individual customer information.
   
   
2. Recognition of our Customer's Expectation of Privacy:
   At SSBBank, 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, the safekeeping of customer information is a priority for SSBBank.
   
   
3. Customer Benefits of our Information Management Practices:
   Information about consumers is accumulated from a variety of sources. Some information is provided to SSBBank directly by customers themselves. Other data is developed by SSBBank as a function of providing a product or service to a customer. Still other information is obtained from outside sources. We will limit the use and collection of information about our customers to that which is necessary to administer our business, provide superior service, and offer opportunities that we think will be of interest to customers. This means that we will use information to help us identify and mitigate potential risks or loss to SSBBank. We will use information to help identify additional products or services which we believe customers might want to know about. We will use this information only in accordance with the principles set out in this Policy.
   
   
4. Maintenance of Accurate Information:
   We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.
   
   
5. Limitations to Employee Access to Information:
   At SSBBank, 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. Because of the importance of these issues, all SSBBank employees are responsible for maintaining the confidentiality of customer information and employees who violate these Privacy Principles will be subject to disciplinary measures.
   
   
6. Protection of Information via Established Security Procedures:
   We safeguard information according to established security standards and procedures, and we continually assess new technology for protecting information. Our employees are trained to understand and comply with these information principles.
   
   
7. Restrictions on the Disclosure of Account Information:
   We do not reveal specific information about your account or other personally identifiable data to parties outside of our affiliated banks and companies for their independent use unless:
   • you request or authorize it
   • the information is provided to help complete a transaction initiated by you
   • the information is provided to a reputable credit bureau or similar information reporting agency
   • the disclosure otherwise is lawfully permitted or required.

   We do not provide account or personal information to non-SSBBank companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

8. Maintaining Customer Privacy in Business Relationships with Third Parties:
   When the Bank conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.
   
   
9. Providing Privacy Information to Customers and Responding to Inquiries:
   SSBBank recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information . As a result of our commitment, we have developed these Privacy Principles which are made readily available to our customers. Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call SSBBank at 517/851-7733 or e-mail us.

The purpose of the SSBBank web site is to provide our customers with accurate, up-to-date information. We are dedicated to protecting the privacy of your personal information during your use of the SSBBank web site.

The SSBBank web site does not require visitors to disclose any personal information. We may, however, collect and store web site traffic statistics to be used for internal review purposes only. These statistics are collected in the aggregate to assist us in identifying peak usage times and measuring the volume of pages requested. The following is a list of the types of information collected:

• The domain name from which you access the internet (e.g. AOL, NetZero, etc.)
• The date and time the request was received
• The internet address of the web site from which you linked to our site
• The name and version of your web browser (e.g. Netscape 8.0, Internet Explorer 6.0)
• The number of bytes sent or received, duration (in seconds) to fulfill the request, server port number addressed, and protocol version

The sole exception to the list of collected data is information voluntarily provided via an e-mail message. If you use e-mail to contact SSBBank, your e-mail address and other information such as your name or organization will be revealed to us. It is our policy at SSBBank to use any information received via e-mail only for the purpose of responding to your comments or questions. SSBBank does not sell e-mail addresses. Nor will your e-mail address be shared with anyone outside the bank unless required by law.

For your general protection, we strongly discourage transmitting personal information such as social security numbers or account numbers via e-mail.

Your choice to use the SSBBank web site or to contact us through the use of electronic mail will be considered your consent for SSBBank to use the information collected as stated in this notice.