NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

• All of our consumer customers who have a continuing relationship with us, such as:

Deposit account
Loan account
Safe deposit box
Retail installment contract we hold and service

• All IRA accounts for which we act as custodian

We will tell you the sources of nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

We must first define some terms.

• We, our, and us mean MVB Bank, Inc.
• Nonpublic personal information means information about you that we collect in connection with

   providing a financial product or service to you. Nonpublic personal information does not include
   information that is available from public sources, such as telephone directories or government records.

• An affiliate is a company that we own or control, a company that owns or controls us, and a company that is owned or controlled by the same company that owns or controls us.  Ownership does not mean complete ownership, but means owning enough to have control.
• A nonaffiliated third party is a company that is not an affiliate of ours.

THE INFORMATION THAT WE COLLECT
We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with nonaffiliated third parties
• information from a consumer reporting agency

We do not disclose any nonpublic personal information about you to anyone, except as authorized by law.

We will not disclose any medical information that you provide to us, unless you specifically authorize its disclosure.

INFORMATION COLLECTED ON THE INTERNET
If you are just browsing through our website, we do not request any personally identifiable 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 this 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 that is generated electronically when you visit our website
• Information that is generated electronically when you use our Online Banking services

Email Policies
We may send you email notices for certain required disclosures if you agree to accept electronic disclosures and/or online account statements.  If you have agreed to accept disclosures electronically, we may send you an email with updates to this policy and/or we may send you an email at least annually to remind you where the Privacy Policy can be viewed from our website.  For more information on how to enroll for electronic disclosures, please contact us at 304-363-4800.

If you send us an email, please do not include any non-public personal or sensitive information, as email messages may not be secure and/or confidential.  We offer secure messaging through our Online Banking service.  You should use the secure messaging service anytime you send us sensitive personal information.

External Third Party Links
Our website may include numerous links to other third party 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.

This financial institution does not control linked third party 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 the 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 websites and contact them directly.  This privacy policy applies solely to information collected by this institution.

Privacy of Children
This financial institution respects the privacy of children.  We do not knowingly collect names, email addresses, or any other personally identifiable information from children.  We do not knowingly market to children, nor do we allow children under 18 to open online accounts.

Our website may include linked third party sites that would be of interest to children.  We are not responsible for the privacy and security practices of these sites.  Parents should review the privacy of these sites closely before allowing children to provide any personally identifiable information.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
This institution and its service providers have developed strict policies and procedures to safeguard your personal information.  We restrict employee access to your sensitive personal information on a “need to know” basis.  We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.  We educate our employees about the importance of confidentiality and customer privacy.  We take appropriate disciplinary measures to enforce employee privacy responsibilities.

Our Online Banking service provider has developed a top-of-the-line security system to ensure your customer information is protected on the internet and within the data center environment.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
We do not disclose nonpublic personal information about former customers.