At Signature Bank, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with Signature Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.

Notice of your Financial Privacy Rights

We, our, and us, when used in this notice, mean Signature Bank and Signature Mortgage LLC.

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):

• Deposit account
• Loan account
• Credit card account
• Safe deposit box
• Retail installment contract we hold and service
• Individual Retirement Account where we act as custodian
• Financial, investment or economic advisory services

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information

We first define some terms.

• Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.
• An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
• A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party or simply, an "other party".

The Information We Collect

We collect information about you from the following sources:

• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency

The Confidentiality, Security, And Integrity Of Your Information

We restrict access to 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 to protect this information.

Your Information And Our Affiliates

We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information:

Transaction and experience information from our account records:

Information about your transactions and experience with us, such as:

• Name
• Address
• Social Security Number
• Credit Information

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

Types Of Affiliates

We may disclose information about you to the following types of affiliates:

Financial service providers, such as:

• Mortgage bankers
• Leasing Company
• Bank

Reasons For Disclosure

We may disclose information about you to our affiliates to provide you with information about additional products and services.

Your Information And Other Parties

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Example of this might include disclosures necessary to service your account or prevent unauthorized transactions.

Information About Former Customers

We do not disclose information about former customers, except as permitted by law.

Authorized Sharing – Joint Marketing

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

Information you give us on an application or other forms, such as:

• Name
• Address

Information about your transactions with us, such as:

• Account balances

We disclose the information listed above with other financial institutions with which we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.

State Limitations

CA - We will not share this information about customers who reside in California

Types of Businesses

We may disclose information pursuant to joint marketing agreements to the following types of businesses:

• Financial service providers, such as:
  Insurance Agents

Limitations on Disclosure

Here are the limitations we impose on the use of information disclosed to other financial institutions with whom we have joint marketing agreements:

• We only allow direct mail solicitations
• We do not allow telephone solicitations.

Providing Privacy Information To Customers and Responding to Inquiries

Signature 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 this notice of your privacy rights which are readily available to our customers. Customers who have questions about this notice of your privacy rights or have a question about their privacy rights should contact Signature Bank.