At Alliance Bank, we understand the importance of protecting your privacy. This notice summarizes the privacy practices we employ in safeguarding confidential information about customers with whom we have an ongoing relationship (such as deposit account holders), consumers with whom we engage in discrete transactions (such as the use of one of our ATMs) and all those who visit our Web Site.  Please keep this notice for your records.

Background and Purpose:
Regulation P, Privacy of Consumer Financial Information, implements the privacy provisions of the Gramm-Leach-Bliley Financial Modernization Act of 1999. Regulation P establishes rules governing the duties of a financial institution to provide particular notices and information on its disclosures of nonpublic personal information.  Regulation P applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family, or household purposes.  It does not apply to businesses or to individuals who obtain financial products or services for business, commercial, or agricultural purposes.  Compliance with the rules has been required since July 1, 2001. 

Consumer Privacy Policy Notice
The directors, management, and staff of Alliance Bank are concerned about and respect the privacy of customers'/consumers' personal financial information. We understand that our customers furnish sensitive information to the bank in the course of daily business, and the bank is committed to treating such information responsibly. We know that our customers expect privacy and security for their personal and financial affairs.

The bank will take all the necessary steps to safeguard sensitive information that has been entrusted to us by our customers. The following privacy policy and disclosure outlines our bank's practice regarding personally identifiable financial information for consumers and those consumers who become our customers.

Types of Information the Bank Collects
At Alliance Bank we collect nonpublic, personal information about you from many sources, including the following:

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

Nonpublic, personal information does not include that which is available from government records, widely distributed media, or government-mandated disclosures.

Types of Information the Bank Discloses
The bank does not now, nor does it intend in the future, to disclose any personal financial information to any nonaffiliated or affiliated third party. By law the bank may disclose certain personally identifiable information without allowing consumers the right to opt out of the bank's sharing agreements in the following circumstances:

• To companies who perform transaction processing for the bank in the following circumstances:
  • If the transaction, service, or product is requested or authorized by the consumer
  • To maintain or service a consumer's account as part of a private label credit card or other loan extension program
  • In connection with a securitization, secondary market sale (including servicing rights), or similar transaction related to a consumer
• To disclose information necessary to enforce the bank's legal or contractual rights or the rights of any other person who is engaged in the financial transaction
• To disclose information required in the ordinary course of banking business, such as the settlement of claims or benefits, the confirmation of information to the consumer or the consumer's agent, and the billing, processing, or clearing of items in the normal course of business
• To provide information to insurance rate advisory organizations, guaranty funds or agencies, agencies that are rating the bank, persons who are assessing the bank's compliance with industry standards, and the bank's attorneys, accountants, and auditors
• To the extent permissible under the Right to Financial Privacy Act
• To a consumer reporting agency under the Fair Credit Reporting Act
• To comply with federal, state, or local laws, rules, and other applicable legal requirements

Safeguarding Customer Information
At Alliance Bank we protect consumer privacy by ensuring that only employees who have a business reason for knowing information have access to it. The bank has appointed a financial privacy coordinator who is responsible for maintaining internal procedures to ensure that our customers' information is protected. For example, information in loan files can only be accessed by employees who work in the loan origination or loan operations departments.

All employees have a copy of this policy and are trained at least annually regarding the importance of safeguarding customer information. The financial privacy coordinator, the human resources director, and the appropriate department manager will take disciplinary action against any employee who violates the bank's privacy policy and procedures.

If we change our policy or practice by, for example, adding a category of information that we will disclose to a third party, we will notify existing customers and give them an appropriate time period to opt out of the disclosure.

Children’s Privacy
We are committed to protecting the privacy of children and our Web site is not intended to attract children under the age of 13.  We do not knowingly collect or retain information from clients under the age of 13 unless that information is provided to us by an adult authorized to do so.

Do Not Call
Alliance Bankshares does not initiate telemarketing activities covered by the Telephone Consumer Protection Act (TCPA).

How to Contact Us
If customers would like additional information, or have questions regarding Alliance Bank’s Privacy Policy, please telephone us at 1-877-631-2537 or e-mail us at privacy@alliancebankva.com.

USA Patriot Act

Customer Identification Program

 

Important Information about Procedures for Opening a New Account

 

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.  When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see your driver’s license or other identifying documents.

 

We thank you for your understand and for joining us in securing a safer tomorrow.

ALLIANCE BANKSHARES FAMILY OF COMPANIES

The following is a list, as of December 15, 2008, of the Alliance Bankshares family of companies to which this policy applies:  Alliance Bankshares Corporation, Alliance Bank Corporation, and Alliance Insurance Agency, LLC.

 

Corporate Headquarters 14200 Park Meadow Drive Suite 200 South Chantilly, VA 20151 Phone: 703-814-7200 Fax:     703-378-7210 Alliance Bank Offices Annandale 7023 Little River Turnpike Suite 101 Annandale, VA 22003 Phone: 703-256-1262 Fax:     703-256-3063 Fair Lakes 12735 Shoppes Lane Fairfax, VA 22033 Phone: 703-631-6411 Fax:     703-631-1672 Manassas Park 9150 Manassas Drive Manassas Park, VA 20111 Phone:  703-396-7745 Fax:     703-396-7754 Reston 11730 Plaza America Drive Suite 130 Reston, VA 20190 Phone: 703-471-6500 Fax:     703-471-2170 Ballston/Arlington 4501 N. Fairfax Drive Arlington, VA 22203 Phone: 703-814-7280 Fax:     703-248-9171 Tysons Corner 8221 Old Courthouse Road Suite 100 Vienna, VA 22182 Phone: 703-814-7260 Fax:     703-356-4078

Alliance Insurance Agencies Annandale 4200 Evergreen Lane Suite 322 Annandale, VA 22003 Phone: 703-642-3200 Fax:     703-642-5970 Manassas / Commercial Lines Office 10611 Balls Ford Road Suite 140 Manassas, VA 20109 Phone: 703-361-8209 Fax:     703-368-8145 Fredericksburg Insurance Group 125 Olde Greenwich Drive Suite 200 Fredericksburg, VA 22408 Phone: 540-370-4886 Fax:     540-370-4828