Privacy Policy

Frontier Bank collects nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us or others
• Information we receive from a consumer reporting agency

Frontier Bank does not disclose any nonpublic personal information about you to anyone, except as permitted by law. We may disclose all of the information that we collect, as described above, to companies that perform services on our behalf or to other financial institutions with whom we have joint marketing agreements. Our agreements with those parties require them to use your information responsibly and limit their ability to share this information with other parties.

If you decide to close your account(s) or become an inactive customer, Frontier Bank will adhere to the privacy policies and practices as described in this notice.

Frontier Bank restricts access to your personal and account information to those employees who need to know that information to provide products or services to you. Frontier Bank maintains physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Frontier Bank's Use of "Cookies"

A "cookie" is a small text file that is stored on the user's computer and retrieved by the web server to identify the user on subsequent visits to the website. Our website uses cookies to keep track of the stock listing on our main page. If you enter a stock or index that you'd like to track, the web server will show that stock on future visits to our web site by the same user on the same machine. Once the cookie is stored, the site's web server can later retrieve that information for that browser.

Online Banking uses a different kind of cookie known as a session cookie, a non-persistent cookie, or a pre-expired cookie. These cookies are placed temporarily and are never stored to the user's computer memory. Instead, these pre-expired cookies are used as part of the stringent security measures in the Online Banking product. As the end user navigates through Online Banking a pre-expired cookie is set each time a page is viewed. Because the HTML page they are viewing is not "cached", it must always be re-retrieved from the server.

The pre-expired cookies keep the session alive until the end user logs out properly or times out of Online Banking. Once this occurs, the end user must login with their User ID and Password to gain access again. This ensures that another user using the same computer cannot access the previous session. These are the only type of "cookies" collected from our web site.

Children's Online Information Privacy

Frontier Bank does not knowingly solicit data from children under the age of 13. Frontier Bank is not responsible for the collection and use practices of nonaffiliated third parties to which our web site may link.