Online Privacy Notice

Scope of this notice

This Online Privacy Notice describes how Alpine Bank ("we," "us," or "our") collects, uses, and shares information when you visit alpinebank.example, use our mobile banking application, or otherwise interact with us through digital channels.

This notice does not apply to information collected through non-digital means, such as in-branch banking, phone banking, or paper applications. Those activities are governed by our Consumer Privacy Notice, which describes our practices under federal and state financial privacy laws.

Information we collect

We collect information in three ways: information you give us, information we collect automatically, and information we receive from third parties.

Information you give us

• Identifying information such as name, address, date of birth, Social Security number, and government-issued ID details when you apply for an account.
• Contact information including email address, phone number, and mailing address.
• Financial information including income, employment, account balances, and transaction history.
• Any information you submit through forms, chat, email, or customer service calls.

Information we collect automatically

• Device information such as IP address, browser type, operating system, and device identifiers.
• Usage information including pages visited, time spent on pages, links clicked, and referring URLs.
• Location information if you enable location services in our mobile app (used only for locating branches and ATMs).

Information we receive from third parties

• Identity verification data from consumer reporting agencies and fraud prevention services.
• Credit information from credit bureaus when you apply for credit products.
• Public records and other information used to comply with legal and regulatory obligations.

Cookies and tracking technologies

We use cookies, web beacons, and similar technologies to operate our website, remember your preferences, measure site performance, and improve your experience. Cookies are small text files placed on your device by your browser.

Types of cookies we use

• Strictly necessary cookies — required for the site to function, such as session management and security. These cannot be disabled.
• Performance cookies — help us understand how visitors use the site so we can improve it. These are aggregated and do not identify you.
• Functionality cookies — remember choices you make, such as language preference or region, to provide a more personalized experience.
• Advertising cookies — used to deliver relevant advertising on other sites. We do not use advertising cookies on pages where you are logged into online banking.

You can control cookies through your browser settings. Disabling certain cookies may affect the functionality of our website. We honor Global Privacy Control (GPC) signals where required by law.

How we use information

We use the information we collect to:

• Provide, maintain, and improve our products and services.
• Process applications, transactions, and payments.
• Verify your identity and prevent fraud.
• Comply with legal, regulatory, and tax obligations.
• Communicate with you about your accounts, products, and services.
• Personalize your experience and deliver relevant content.
• Conduct internal research, analytics, and product development.
• Enforce our terms of use and protect the rights, property, and safety of Alpine Bank, our customers, and others.

How we share information

We do not sell your personal information. We share information only in the following circumstances:

• Service providers — companies that perform services on our behalf, such as payment processing, data analytics, fraud prevention, and customer support. These providers are contractually required to protect your information and use it only for the services they perform for us.
• Affiliates — other companies within the Alpine Bank corporate family, for the purposes described in this notice.
• Legal and regulatory — when required by law, subpoena, court order, or to comply with regulatory examinations and reporting.
• Business transfers — in connection with a merger, acquisition, or sale of assets, in which case we will notify you of any change in ownership or use of your information.
• With your consent — when you direct us to share information with a third party, such as linking an external account or using a third-party financial management tool.

How we protect information

We use administrative, technical, and physical safeguards to protect the information we collect. These include encryption of data in transit and at rest, multi-factor authentication for online banking, continuous monitoring for unusual activity, employee training on data protection, and regular third-party security assessments.

No method of transmission or storage is completely secure. While we work hard to protect your information, we cannot guarantee absolute security. If you believe your account has been compromised, contact us immediately at 213-340-5102.

Your choices

You have the following choices regarding your information:

• Marketing communications — you can opt out of marketing emails by clicking "unsubscribe" in any email we send, or by contacting us. You cannot opt out of transactional or account-related communications.
• Cookies — you can manage cookies through your browser settings.
• Location services — you can disable location access in your device settings at any time.
• Access and correction — you can review and update your account information through online banking, by calling us, or by visiting a branch.
• State-specific rights — residents of certain states, including California, Colorado, Connecticut, and Virginia, may have additional rights regarding their personal information. See our Consumer Privacy Notice for details, or contact us to exercise those rights.

Children's privacy

Our website and mobile app are not directed to children under 13. We do not knowingly collect personal information from children under 13 through our digital channels. If you believe we have inadvertently collected such information, please contact us so we can delete it. Minor accounts opened with a parent or guardian's consent are governed by our Consumer Privacy Notice.

Changes to this notice

We may update this Online Privacy Notice from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will post the updated notice on this page with a new effective date and, where appropriate, provide additional notice through email or a prominent notice on our website.

We encourage you to review this notice periodically to stay informed about how we protect your information.

Contact us

If you have questions about this Online Privacy Notice or our privacy practices, you can reach us in any of the following ways:

• Phone: 213-340-5102
• Email: support@alpinetrustbank.com
• Mail: Alpine Bank, Attn: Privacy Office, 100 Main Street, Alpine, CO 80801
• In person: Any Alpine Bank branch during regular business hours