Privacy & policy statement

• Our Privacy Commitment to You
• General Information
• Use, Collection, and Retention of Information
• Our Maintenance of Accurate Information
• Limiting Employee Access to Information
• Protection of Information
• Disclosure of Account Information
• Maintaining Customer Privacy with Third Parties
• Internet Information
• Notify Us of Inaccurate Information We Report to Consumer Reporting Agencies
• Information Sharing With Affiliates

Our Privacy Commitment to You
First Independent Bank of Nevada wants you to understand and have confidence in our commitment to personal privacy and our use of information. For this reason, we have prepared this disclosure that will hopefully answer most of the important questions you may have. If you have any questions or would like more information, please contact us at (775) 828-2000 or e-mail us at info@firstindependentnv.com.

General Information
At First Independent Bank of Nevada, we realize how important it is to protect the confidentiality of the information our customers, prospective customers, and web site visitors provide us. We have described below our policies to protect your privacy. As a First Independent Bank customer, you can count on responsible treatment of any personal information you share with us. If you have any questions or concerns after reading the information below, please contact us at info@firstindependentnv.com or (775) 828-2000 and we'll be happy to explain further.

Use, Collection, and Retention of Information
We collect, retain, and use individual customer information only when we reasonably believe it would be useful, and allowable by law, to administer to our business needs in providing products, services, and other opportunities to our customers. We collect and retain information about you only for specific business purposes - and we will tell you why we are collecting and retaining it upon your request. In the course of serving you, we collect information about you from a variety of sources, such as: Information you provide to us on applications or forms, such as your income and accounts with others; Information we receive from an outside company, such as a credit bureau, regarding your credit history or employment status; and Information about your transactions or experiences with us.

Former First Independent Bank of Nevada customers: If you end your relationship with First Independent Bank of Nevada, we will adhere to the information policies and practices described in this policy.

Our Maintenance of Accurate Information
We have procedures in place to help assure that your financial information is accurate, current, and complete in accordance with reasonable business standards. We will also respond to your requests to correct that information that is known/proven to be inaccurate in a timely manner. While some of these procedures are required by federal or state law, we have implemented additional procedures to maintain accurate, current, and complete financial information, including processes to update information and remove old information.

Limiting Employee Access to Information
First Independent Bank of Nevada has controls in place to limit access to your personal information to those employees with specific business reason for knowing such information. We educate our employees about the importance of confidentiality and customer privacy. We will also take appropriate disciplinary measures to enforce employee privacy responsibilities.

Protection of Information
We maintain security standards and procedures to help prevent unauthorized access to confidential Information about you. We update, test, and monitor our technology to improve the protection of our information about you and to assure the integrity of our information. We ask you to closely review your account and loan statements and contact us right away if you believe that someone has improperly accessed financial information about you.

Disclosure of Account Information
First Independent Bank of Nevada will not share and/or sell individual customer information to any unaffiliated third party for marketing purposes.

Customer information will only be disclosed to authorized account holders, and only after identification of that account holder has been verified. If the information request is made over the telephone and we are uncertain about the identity of the person requesting the information, we will ask that the request be made in writing or in person.

First Independent Bank of Nevada employees will not share personal or financial customer information with unaffiliated third parties except when legally required (in order to comply with federal or state laws/regulations, and government or court orders) or when legally permitted to serve the customer's interests (such as disclosure to reputable credit reporting agencies). Information will only be disclosed to third parties under the following conditions:

• Where it is necessary to complete a transaction initiated by the customer (i.e. for verification of funds on a check written).
• In order to comply with government or court orders.
• If we have the written permission of the account holder (i.e. for credit ratings, loan payoff, etc.).

Maintaining Customer Privacy with Third Parties
Whenever we provide customer information to a third party, we insist that the third party adhere to similar privacy principles for keeping such information confidential. When we work with outside businesses or companies, we require them to safeguard your personal and confidential information. These businesses must abide by applicable law.

Internet Information
With the surge in Internet use, it has become even more crucial that we take steps necessary to assure that your private information remains private. First Independent Bank of Nevada's Privacy Principles include:

• Web Site Security
• Web Site Privacy

Web Site Security -
First Independent Bank of Nevada has implemented technology to help assure that any sensitive personal information you provide us or any account information you receive online is done in a safe and secure manner. Special secure-connection hardware and software (commonly called "firewalls") are in place to help assure the security of online communication of your information.

Additionally, we have implemented procedures to help assure that only authorized First Independent Bank of Nevada employees may view the information you share with us. This is accomplished by limiting access to that information (via access capability and password control) to only those employees having a legitimate business purpose for viewing or responding to your information or inquiries.

Web Site Privacy -
Our Web Site includes sections that are public (not password protected) and areas that are password protected (for example, Online Banking areas)

Also included in First Independent Bank of Nevada's Web Site is the capability for you to correspond with us. This correspondence, via e-mail, may be for the purpose of asking general questions, requesting literature, or responding to bank promotions. These activities may include sharing some personal information about you with First Independent Bank of Nevada. We collect the e-mail addresses of those who correspond with us via e-mail and any information you provide us, for example site registration or survey information.

WHETHER OR NOT YOU ARE A CUSTOMER OF FIRST INDEPENDENT BANK OF NEVADA, WE WILL COLLECT PERSONAL INFORMATION FROM YOU IF, AND ONLY IF, YOU VOLUNTARILY PROVIDE THAT INFORMATION TO US. IT IS OUR POLICY THAT WE WILL NOT SELL OR RENT CUSTOMER INFORMATION TO ANY UNAFFILIATED THIRD PARTY FOR MARKETING PURPOSES.

We reserve the right to change or modify this disclosure at any time.

Notify Us of Inaccurate Information We Report to Consumer Reporting Agencies.
Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address:

First Independent Bank of Nevada 5335 Kietzke Lane Reno, NV 89511.

Information Sharing With Affiliates
First Independent Bank of Nevada does not share non-public, personal information with its affiliates, except as permitted or required by law. Examples of this might include disclosures necessary to service your account or to prevent unauthorized transactions.

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