PRIVACY POLICY

Facts

How Blue Ridge Bank, N.A. handles your information.

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include

• Social Security number and employment information
• Account balances and transaction history
• Credit history and investment experience

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons Blue Ridge Bank, N.A chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information.	Does Blue Ridge Bank, N.A. Share This Information?	Can you limit sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes— to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We don’t share.
For our affiliates’ everyday business purposes— information about your transactions and experiences Yes	Yes	No
For our affiliates’ everyday business purposes— information about your creditworthiness	Yes	Yes
For affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	No	We don’t share.

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Who is providing this notice?

Blue Ridge Bank, N.A.

Businesses listed in the other section below provide their own privacy notices.

How does Blue Ridge Bank, N.A. protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Blue Ridge Bank, N.A. collect my personal information?

We collect your personal information, for example, when you

• open an account or apply for a loan
• use debit or credit card or seek advice about investments
• make deposits or withdrawals from your accountWe also collect your personal information from others, such as credit bureaus, affiliates or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

• sharing for affiliates’ everyday business purposes—information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliated to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

• Our affiliates include: Hammond Insurance, Money wise Payroll Solutions, and Exchangers LTD.

Non-affiliates

Companies not related by common ownership or control. They can be financial and non financial companies.

• Blue Ridge Bank, N.A. does not share with non-affiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Blue Ridge Bank, N.A.
•  doesn’t jointly market.

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