You are receiving this notice because you are currently, or about to become, a consumer customer or have dealings with Penns Woods Bancorp, Inc. or one of our affiliates, Jersey Shore State Bank and The Comprehensive Financial Group.

Customer confidentiality and security of information are of paramount importance in the financial industry.  Long before any legislation was enacted in this regard, it was our policy to not sell or transfer customer information to others.  We realize that you expect the information given to us to be kept confidential and used only for the purposes you intended.

We have always taken this position because we want you as a satisfied customer and must continue to earn your trust and procure your confidence.  Our success depends on your success and your privacy and satisfaction are goals we are willing to work hard to achieve.  If you have any questions about this notice or any other questions concerning our operations, feel free to contact your local branch office.

Categories of Information We Collect
We collect non-public, personal information about you from the following sources:

• Information we receive from you on applications and other forms;
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from a consumer reporting agency.

Categories of Information We Disclose

• We may disclose all the information that we collect, as described above, between any of our affiliates.
• Outside of our affiliates, we do not disclose any non-public, personal information about our customers or former customers to anyone, except as permitted by law for example, sharing for marketing purposes or at your request.

Confidentiality and Security
We restrict access to non-public, personal information about you to those employees who need to have access to provide products or services to you.  We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your non-public personal information.

Non – Affiliate Companies
We currently share information with non-affiliated companies in order to market our products and services and financially related products and services from those companies in which we believe you will have an interest.

Affiliate Companies
We currently share information about you with our affiliate companies.  We do this to provide you with an opportunity to hear about some of their products. Specifically, our affiliate companies may offer to you insurance, annuities, mutual funds or other financially related products. You may limit our affiliates in the Penns Woods Bancorp, Inc. group of companies from marketing their products or services to you based on your personal information that we collect and share with them.  This information includes your account history with us.  Your choice to limit marketing offers from our affiliates will apply until you tell us to change your choice.  If you already made a choice to limit marketing offers from our affiliates you do not need to act again.  To limit marketing offers, contact us by mail: Check the box and complete the form below, and print/send the form to:  Jersey Shore State Bank, Attn: Executive Vice President 300 Market Street Williamsport, PA 17701. For a pdf version, click here.

      Name ________________________________________________________________________

Address_______________________________________________________________________

         ___ Do not allow your affiliates to use my personal information to market to me

Signature _______________________________________________ Date __________________

If You Believe There Has Been a Breech of Security:
If at any time you believe a breech of security has occurred, please contact:

Executive Vice President, by phone at (570) 322-1111 (toll-free in Pennsylvania only 1-888-412-5772); by U. S. Mail at 300 Market Street, P. O. Box 967, Williamsport, PA 17703; by E-mail at ebanksupport@jssb.com; or by fax at (570) 322-7398.

In the event that any incorrect information was provided to any third parties, we will correct that information with the third parties and also in our own records. If a security breech occurs or if information of an incorrect nature maintained by us results in damages to you of a consequential, indirect or incidental nature, we will compensate you for those damages and make you whole, as if the breech or incorrect information dispersed had never happened.

Important Notices Regarding Information Posted on Our Website

• Although Jersey Shore State Bank takes every reasonable precaution to provide only accurate information on this site, we cannot guarantee or warrant its accuracy.
• Information provided is accurate to the best of our knowledge and belief as of the date indicated.
• Regardless of available applications being posted, we reserve the right to limit our market area. Currently, this would be Jersey Shore State Bank's market area for deposit and loan accounts. Internet access to existing accounts is without geographical restriction.

Who to Call to Report a Possible ID Theft
If you think you're a victim of identity theft or if you notice something suspicious, get to a phone and call the following:

• The Federal Trade Commission. The FTC is the federal agency responsible for receiving and processing complaints by people who believe they may be victims of identity theft. Trained counselors will provide information on the steps you should take to resolve problems and repair damage to your credit record. Certain cases may be referred to law enforcement agencies, regulatory agencies or private entities that can help. Call toll-free 877-IDTHEFT (438-4338). The FTC also maintains the U.S. government's central Web site for information about identity theft at www.consumer.gov/idtheft. Go there to fill out an online consumer complaint form or link to educational materials.
• The three major credit bureaus. Ask them to place a fraud alert in your file, so that lenders and other users of credit reports will be careful before starting or changing accounts in your name. The special toll-free numbers for the fraud departments are: Equifax at (800) 525-6285, Experian at (888) 397-3742 and Trans Union at (800) 680-7289.
• Your bank, credit card company or any other financial institution that may need to know. Ask to speak with someone in the security or fraud department, and follow up with a letter. If necessary, close old accounts and open new ones, and select new passwords and "PINs" (Personal Identification Numbers). Your call also alerts the financial institution to a possible scam that may be targeting other customers.
• Your local police or the police where the identity theft occurred. Fill out a police report that will detail what happened. Get a copy of the completed report because that can help you clear up questions and problems when dealing with your creditors and other financial institutions.