Digital Privacy Policy

Internet Privacy Policy

Updated January 6, 2021

This Internet Privacy Policy (“Policy”) applies to your interaction with Progressive Bank (“Progressive Bank,” “we,” “us,” “our”) at any online or mobile site or application that we own and control (collectively “website”) and describes how we may collect information from you when you visit our website or when you use our online financial services.

By using our website, you consent to this Policy, including your consent to our use and disclosure of information about you in the manner described in this policy.

We recognize the importance of the privacy and security of personal information.

We think it is important for you to be informed of the policies, procedures, and security measures that we have in place to safeguard your personal and confidential information. With that in mind, we developed this Policy to help you to understand the steps we take to protect your personal information when you utilize our online financial services.

Below are several definitions of terms used within this policy:

Visitor Information - Visitor Information refers to personally identifiable information about a consumer, customer or former customer of the Progressive Bank.

Internet Protocol (IP) Address - an IP address is a unique address that devices use in order to identify and communicate with each other on a computer network. An IP address can be thought of as a street address or a phone number for a computer or other network device on the Internet. Just as each street address and phone number uniquely identifies a building or telephone, an IP address can uniquely identify a specific computer or other network device on a network. We may use IP addresses to monitor login activity and for identification purposes when necessary for security investigations.

Cookie - a Cookie is a very small data file that is transferred to your device so that it can be identified later. Cookies are a basic way for a server to identify the device you happen to be using at the time. Cookies are used for many things from personalizing start up pages to facilitating online purchases. Cookies help sites recognize return visitors and they perform a variety of important functions. We may also use cookies to enable certain features of our website and to preserve your preferences and customize your experience when you visit and return to our website.

Service Provider - We may use various third-party providers. These third parties provide services such as: website hosting, Internet banking, bill payment, and account aggregation. Third party providers are referred to within this policy as “Service Providers”.

Information Collected on the Website

If you are just browsing through our website, we do not request any Visitor Information, nor do we collect unique identifying information about you unless you voluntarily and knowingly provide us that information, such as when you send us an email or complete an application online. If you provide us unique identifying information, it is only used internally and in furtherance of the purpose for which it was provided.

As part of providing online financial products or services, we may obtain information about our customers and website visitors from the following sources:

• Information we receive from you on applications, emails, or other forms;
• Information about your transactions with this Institution and our affiliates;
• Information we receive from a consumer-reporting agency; and
• Information that is generated electronically when you visit our website or use our online financial services.

Service Providers may collect general information of our website visitors for security and statistical purposes. Such information may include:

• The Internet address (referral site) which brought you to our web site;
• The date and time you access our site;
• The name and version of your web browser;
• Your IP address;
• The pages visited in our website;
• The approximate location of the device you are using to access our website; and
• The duration of your online session.

Our Service Providers may use Cookies to collect some of the above information. In some cases, you must accept cookies in order to view our website. Note that most browses provide controls whereby you can choose to block receipt of cookies, delete cookies, or be prompted before cookies are received by your device. Please note that the functionality of our website may be impaired if you delete or choose not to receive cookies from our website.

When you click on advertisements in our website or advertisements on linked third-party websites, you may receive another Cookie; however, you do not have to accept any Cookies from third party advertisements.

Information Use, Sharing and Disclosure

• We may also disclose Visitor Information when required or permitted by law and to protect and defend our rights or property, or those of our customers. For example, Visitor Information may be disclosed in connection with a subpoena or similar legal process, fraud prevention, or security investigation.
• We may also share Visitor Information outside this Institution when we have your consent, such as when you request a specific product like insurance or an investment product from a third party financial services provider.
• We may also disclose aggregate (not personally identifiable) Visitor Information with Service Providers or financial institutions that perform marketing and research services on our behalf and with whom we have joint marketing agreements. Our contracts require all such Service Providers/or financial institutions to protect the confidentiality of your Visitor Information to the same extent that we must do.
• We do not disclose any Visitor Information about our customers, former customers, website visitors to anyone, except as permitted or required by law.
• We do not sell any of your personal information.

In addition to the uses identified above, we may use information as permitted by law for marketing or personalizing the presentation of our products and services; tracking website usage, such as number of hits, pages visited, and the length of your visit to our website; or improving the products or services provided on our website.

External Third Party Links

Our website may include links to other third party web sites. These links to external third parties are offered as a courtesy and a convenience to our customers. When you visit these sites, you will leave our website and will be redirected to another site.

Progressive Bank does not control linked third party web sites. We are not an agent for these third parties nor do we endorse or guarantee their products. We make no representation or warranty regarding the accuracy of the information contained in linked sites. We suggest that you always verify the information obtained from linked websites before acting upon this information. Also, please be aware that the security and privacy policies on these sites may be different from our policies, so please read third party privacy and security policies closely.

If you have questions or concerns about the privacy policies and practices of linked third parties, please review their site and contact them directly. This privacy policy applies solely to the Visitor Information collected by us.

Online Tracking and Advertising

We and third parties may collect information about your online activities to provide you with advertising about services tailored to your interests. You may see certain ads on external websites because we engage third-party ad services (e.g., Facebook, LinkedIn, Google). Through such ad services, we can retarget our messaging to users of our website and applications through interest-based and contextual means. These services track your online activities over time and across multiple websites by collecting information through automated means, including through the use of third-party cookies, web server logs and web beacons. The ad services use this information to show you ads that may be tailored to your individual interests. The information our ad services may collect on our behalf includes data about your visits to websites that serve our ads, such as the pages or ads you view and the actions you take on the websites. This data collection takes place both on our website and on third-party websites that participate in these ad services. This process also helps us track the effectiveness of our marketing efforts.

Security

Progressive Bank and our Service Providers have developed strict policies and procedures to safeguard your Visitor Information. Our policies require confidential treatment of your personal information. We restrict employee access to personal information on a "need to know" basis and we take appropriate disciplinary measures to enforce employee privacy and confidentiality responsibilities. We have established training programs to educate our employees about the importance of privacy and to help ensure compliance with our policy requirements.

Furthermore, Progressive Bank and our Service Providers maintain strong physical, electronic and procedural controls to protect against unauthorized access to Visitor Information. Our computer systems are protected in the following ways:

• Computer anti-virus protection detects and prevents viruses from entering our website, email, and computer network systems.
• Firewalls and intrusion prevention systems block unauthorized access by individuals or networks.
• We use encryption technology, such as Transport Layer Security (TLS) or Secure Socket Layer (SSL), to protect the transmission of your confidential information. Whenever you login to our Internet banking product or schedule an online transaction through our system, the communication is encrypted. Encryption scrambles transferred data so it cannot be read by unauthorized parties.

We continually monitor technological advances and upgrade our systems to ensure your information remains secure.

Privacy of Children

Our website is not intended for use by children under the age of 13. The Children's Online Privacy Protection Act, protects children under the age of 13 from the collection of personal information on the Internet. Progressive Bank respects the privacy of children. We do not knowingly collect names, emails addresses, or any other personally identifiable information from children. We do not knowingly market to children, nor do we allow children under 13 to open online accounts.

Visitor Generated Content

Our website may allow Visitors to post messages and submit their own content (e.g., stories, comments, blogs, postings, tweets, etc.), which may include personal information. Any information you post, tweet or otherwise submit via the website becomes public information and is not subject to this Policy. By posting or tweeting content, you agree that we may, at our discretion, use your real or social media user name and all or part of the content of your post or tweet (including all accompanying images) on our website to promote our Institution, products and services for such time period as we wish. Institution is not responsible for the results of such postings.

Privacy Updates

This policy may be updated from time-to-time as new products and features may require changes to this Policy, or new legal requirements and guidelines may require changes to this Policy. Please check for any updates periodically. Information collected in connection with your use of our website after any changes to this Policy become effective will be handled in accordance with the revised Policy.

Questions

if you have any questions about our privacy policy or concerns about our privacy practices, please contact us at 318-651-5100 or 1-800-472-3272 (after banking hours or on weekends).

How to Contact Us

We welcome your questions and comments regarding this information. You may contact us as follows:

Progressive Bank
P.O. Box 4053
Monroe, LA 71211-4053
Phone: 1-800-472-3272

Changes to this Policy

We may make changes to this Policy from time to time, in order to reflect changes to our website or to accommodate new technology or legal requirements and guidelines. Please check for any updates periodically. Information collected in connection with your use of our website after any changes to this Policy become effective will be handled in accordance with the revised Policy.

Consumer Complaint Procedure

Progressive Bank is chartered under the laws of the State of Louisiana and by state law is subject to regulatory oversight by the Louisiana Office of Financial Institutions.

Any consumer wishing to file a complaint against Progressive Bank should contact the Louisiana Office of Financial Institutions through one of the following means: U.S. Mail: Office of Financial Institutions, P.O. Box 94095, Baton Rouge, LA 70804-9095; Telephone Number: 225-925-4660; Fax Number: 225-925-4524; Email: complaints@ofi.la.gov.

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