Definition of terms:
Non public personal information means information about you that we collect in connection with providing a financial product or service to you. Non public personal information does not include information that is available from public sources such as telephone directories or government records.

INFORMATION THAT WE COLLECT:
We collect nonpublic personal information about you from the following sources:
1). Information we receive from you on applications or other forms.
2). Information about your transactions with us.
3). Information about your transactions with companies that are not affiliates of ours.
4). Information from a consumer reporting agency.

INFORMATION THAT WE DISCLOSE ABOUT YOU:
We do not disclose any non public personal information about you to anyone, except as permitted by law. We do not disclose nonpublic personal information about former customers, except as permitted by law. We do 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.

Important Notice
Identity Theft- Protect Your Personal Information

Identity theft occurs when someone without your knowledge acquires your personal information and uses it without your permission to commit fraud or theft.

Fraudulent e-mails, known as “Phishing” is the act of sending an e-mail to a user falsely claiming to be an established legitimate enterprise. The e-mail attempts to convince the user into surrendering private information that could later be used for identity theft. These Web sites are bogus and should never be opened or responded to with your personal information.

Millennium Bank will never send emails to customers requesting sensitive information.

Should you receive an email that you suspect might be from a phisher, Millennium Bank offers the following information for protecting yourself against fraudulent e-mails.
 Do not give your Social Security number or other personal credit information about yourself to anyone who calls you
 Tear up receipts, bank statements and used credit cards offers before you throw them away
 Keep an eye out for missing mail
 Review your monthly accounts regularly for any unauthorized charges
 Order copies of your credit report once a year to ensure accuracy
 Do business with companies you know are reputable, particularly online
 Do not open e-mails from unknown sources
 Install virus detection software
 Protect your PINs and passwords; use a combination of letters and numbers and change them often
 Report any suspected fraud to your and fraud units of credit reporting agencies

Credit Bureau Contacts:

Equifax – www.equifax.com
To order your report, call 1-800-685-1111
To report fraud, call 1-800-525-6285

Experian – www.experian.com
To order your report, call 1-888-397-3742
To report Fraud, call 1-888-397-3742

Trans Union – www.transunion.com
To order your report, call 1-800-916-8800
To report fraud, call 1-800-680-7289

Please remember, Millennium Bank will never ask you to update account information online. If you receive an e-mail requesting personal information you SHOULD NOT reply or click on any link – even if it looks legitimate.