When you do business with Tompkins Trust Company, The Bank of Castile, Mahopac National Bank, AM&M Financial Services, Inc. (including each of its subsidiaries: AM&M Planners, Inc., Ensemble Risk Solutions, Inc., and Ensemble Financial Services, Inc.), or Tompkins Insurance Agencies, Inc. (each an affiliate of Tompkins Trustco, Inc. and together called Tompkins), you expect that your personal information will be kept private and confidential. At Tompkins, we are committed to maintaining your privacy and safeguarding your account, transaction, and non-public personal information. Such information is considered confidential. If you terminate your relationship with Tompkins, your information will still be kept confidential.

Obtaining Information
Tompkins collects certain confidential information from you as a customer. Examples of the type of information collected include account balance information, payment history, overdraft history, credit or debit card purchase information and medical information. You supply some of this information to Tompkins on applications and other forms. Other information is collected from various sources such as non-affiliated third parties and consumer reporting agencies.

Keeping Your Information Accurate
Tompkins has established procedures to ensure that the confidential information you provide is maintained in an accurate, current, and complete manner. Should you notify us of any errors or changes in your information, we will promptly correct or update it. We maintain physical, electronic, and procedural safeguards that comply with federal standards to secure your nonpublic personal information.

Employee Access To Information
Employees of Tompkins may be given access to confidential information in the normal course of business. No employee of Tompkins is permitted to use or disseminate any confidential information except as required for the normal performance of his or her job. Tompkins informs and trains its employees stressing the importance of confidentiality and customer privacy.

Disclosing Information to Affiliates In Our Company
Tompkins may disclose information among its affiliates in the course of conducting its day-to-day business to complete necessary transactions and to offer and provide you with additional products and services that my be available through our Company.

Disclosing Information To Non-affiliated External Organizations
Tompkins policy is to not share your confidential information with non-affiliated external organizations unless necessary to effect, administer, or enforce a transaction authorized by you, with your consent, or as required by law. We may also disclose any of the information we collect, as described in the section Obtaining Information, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Such organizations will be contractually required to conform to the Tompkins privacy standards.

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