At Merchants & Marine Bank, we value our customer relationships, many of which span generations. We recognize that the basis of each customer relationship is trust, and that we are obligated to honor that trust, beginning with the information you have chosen to share with us. We recognize that you have a right to expect your personal financial information to remain private and secure. We respect the privacy of our customers and are committed to treating customer information responsibly. Our Privacy Principles serve as standards for all Merchants & Marine Bank employees for collection, use, retention, and security of individual information.

This privacy notice applies to our current and former customers.

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

• Information we receive from you on applications or other forms;
• Information about your transactions with us or others; and
• Information we receive from third parties such as consumer reporting agencies.

"Nonpublic personal information" means personally identifiable financial information that we collect and any list, description, or other grouping derived therefrom. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

We may disclose all of the information we collect, as described above, to companies that perform marketing services or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. We do not otherwise disclose nonpublic information about you, except as permitted by law.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Merchants & Marine Bank 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 the Merchants & Marine Bank Call Center at (228) 934-1234.

Any information transmitted to us through our online banking services is protected by a data security system known as Secure Socket Layer, or SSL, with Strong Encryption. SSL is designed to ensure that transmitted information is encrypted and protected at all times. Any links to outside sources on our website or provided by our online banking services are beyond the control of Merchants & Marine Bank’s security and we are not responsible for the content, operation or security of such sites.

We collect certain information from you as you communicate with us through our website at http://www.mandmbank.com. We collect the following kind of information from you:

• Cookies: Cookies are identifiers and also messages sent to an Internet browser that help us recognize and better serve you when you visit our website. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you or your computer, and can only be read by a Web server in the domain that issued the cookie to you. Cookies do not collect personally identifiable information. You may prevent cookies from being allowed by making the appropriate selection from your browser options. We reserve the right to use cookies in order to present products and other services that may be of interest to you. If you choose not to accept cookies, you may limit the functionality we provide when you visit our website. However, if you choose to decline cookies, you may not be able to fully experience the interactive features of the site or services you visit. You cannot bank online without cookies.

• Email: When you send us an email, we will use your email address to reply to you. For a limited time we will store your email address for quality assurance and to meet legal and regulatory requirements. We do not use your email address to market Merchants & Marine Bank products and services. You may reply to any email message we send to you to tell us that you no longer wish to receive future messages from us.

We gather data that is not personally identifiable to you to track Web site usage, such as number of hits, pages visited, and the length of user sessions in order to evaluate the usefulness of our sites.

Children’s Information: We respect the privacy of your children, and we comply with the Children’s Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.