Rev. 09/2010

FACTS

WHAT DOES BLUE RIDGE BANK DO WITH YOUR PERSONAL 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 depends on the product or service you have with us. This information can include:

• Social Security number    and      Employment Information
• Income                           and      Credit Score
• Credit History                 and      Checking Account Information

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 customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Blue Ridge Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does the Blue Ridge Bank share?

Can you limit this 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

Yes

No

For our affiliates' everyday business purposes—

information about your transactions and experiences

No

Yes

For our affiliates' everyday business purposes-information about your creditworthiness

No

Yes

For nonaffiliates to market to you

No

Yes

Questions?

Call 540.743.6521 

Who we are

Who is providing this notice?

Blue Ridge Bank

What we do

How does  Blue Ridge Bank 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 collect my personal information?

We collect your personal information, for example, when you

• Open an account                       or Apply for a loan
• Use your debit card                  or Pay your bills
• Make deposits or withdrawals from your account(s).

We also collect 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 affiliates¹ everyday business purposes—information
  about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates 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 nonfinancial companies.

• Blue Ridge Bank does not share information with our affiliates.

Nonaffiliates

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

• Blue Ridge Bank does not share information with non affiliated companies 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 currently has joint marketing agreements in place with a credit card company.