Introduction
Alpine Capital Bank is committed to safeguarding your personal information.  This notice explains how Alpine collects, protects, and shares such information.  Alpine provides this notice to consumers when opening a new account.  Alpine also sends this notice to our current consumer customers each year.

Financial institutions choose how they share your personal information.  Federal law gives consumers the right to limit some, but not all, sharing.  Please read this notice carefully.  This notice applies to current and former consumer customers.

Collecting Personal Information
For purposes of this Privacy Notice, “personal information,” is defined as personally identifiable financial information that is not publicly available.  Alpine collects such information about you from the following sources:
-Information we receive from you on applications or other forms;
-Information about your transactions with us, our affiliates, or others; and
-Information we receive from a consumer reporting agency

Protecting Personal Information
All of Alpine’s employees are trained to understand that protection of our customer’s personal information is mandatory.  We restrict access to non-public information about you to those employees who need to know that information to provide products and services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your personal information.

Sharing Personal Information
We do not disclose any personal information about our customers or former customers to anyone, except as permitted by law.

We may share personal information about you with our affiliates.  Affiliates are companies that own or control Alpine, or share common ownership with us.  In order to be an owner, a company, or common owner, does not have to have complete ownership, but must have enough ownership to place them in control of the Bank.

Alpine’s affiliates may consist of financial companies that are involved in:
-Tax and Estate Planning
-Investment Management
-Investment Banking
-Brokerage Services
-Insurance
-Real Estate Investing
-Accounting

The Bank may choose to share that portion of personal information about our customers that is obtained through our experience and transactions with them.  The information that we are permitted to share includes:
-Name and Address
-Account Balances and Activity
-Deposit and Payment History

The Bank is permitted to share personal information with non-affiliated third parties when the information is to be used to:
-market the Bank’s own financial products or services
-market financial products or services offered by Alpine and another financial institution
-process and service transactions that customers request or authorize
-protect against potential fraud or unauthorized transactions
-respond to judicial process
-comply with federal, state or local legal requirements

Banks that provide personal information to non-affiliated third parties outside of these exceptions must offer consumer customers the opportunity to “opt out,” that is, to decline permission to have their personal information released to parties outside of the bank. Similarly, banks that provide their affiliates with personal information gathered from sources other than from transactions and experience with customers, must provide their consumer customers with the opportunity to opt out of information sharing. Consumers are made aware of their right to opt out by means of an opt out notice. Alpine does not currently engage in information sharing which requires the provision of an opt out notice.

Amendments
This notice, and Alpine’s privacy policies, may be amended at any time.  Should this occur, the Bank will issue new privacy notices reflecting such changes.

Contact Us
You are invited to contact Alpine with any questions that you may have regarding this notice or our privacy policy.  We can be reached at 212-328-2555, Monday through Friday, from 9:00am to 5:00pm.  You may also visit our website, www.alpinecapitalbank.com.