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                                                                                                            Privacy Notice
                BANK
  31000 Northwestern Highway, Suite 200
        Farmington Hills, MI 48334
  (248) 538-8600 · Fax (248) 538-8410
         www.paramountbank.com



Paramount is committed to protecting your privacy.
At Paramount, we are proud of the strong relationships we have built. Our relationships are based on common goals and mutual trust. In serving you,
we are committed to providing you with the financial services you need now and in the years ahead, and to protecting your personal information along
the way.
This privacy notice contains information about how we fulfill this commitment to you, as well as a glossary of terms. In compliance with government
regulations, we also offer you choices about how your information may be shared. We provide this notice annually whether or not you have already
exercised your choices.

Paramount's commitment to you.
We value the trust of our customers and will continue to recognize the importance of holding your personal financial information as confidential.
We will hold our employees to strict standards of conduct to ensure the confidentiality of customer information.
We will never use medical information to market products or make credit decisions.
We will use information responsibly in order to protect you from fraud, offer you improved products and services, and comply with legal obligations.
We will maintain accurate customer information and respond promptly to customer requests to correct information.
We will require companies with which we do business to use appropriately and to safeguard the confidentiality of customer information.

Paramount uses a range of personal information.
We use and share information to provide quality service and to offer services that we believe will be of value or interest to our customers. For example,
this information enables us to:
      · Serve and administer your accounts with efficiency and accuracy.
      · Provide you with comprehensive, high-quality service to meet your needs now and in the future.
      · Extend special offers and discounts to you based on our knowledge of your total relationship with us.
      · Introduce you to other companies within the Paramount family that offer specialized products or services.
The sections that follow will describe our information collection and sharing practices, and the safeguards we use to protect your non-public personal
information. You will also have the opportunity to opt out of information sharing. Paramount collects information that may include:
      · Information that we receive from you personally on applications, forms, or other correspondence, such as your name, address, phone number,
        assets and income.
      · Information about your transactions with us, such as account balance, location of transactions, parties to transactions, and payment history.
      · Information that we receive from others in order to establish your relationship with us, such as credit reports and income verification.
In addition, we may collect information about you in compliance with certain laws and regulations.
In selected situations, except as prohibited by law, we may disclose all of the information we collect as described above.

Paramount carefully limits information sharing.
The information described above may be shared within the Paramount family and with selected non-affiliated third parties. This sharing is carefully
limited as described in this section.
We may disclose non-public personal information about you to the following types of third parties:
      · Financial service providers, such as mortgage bankers, securities broker-dealers. and insurance companies;
      · Non-financial companies, such as credit reporting agencies or selected retailers or direct marketers;
      · Others, such as co-applicants and those with whom you have consented to our sharing your information.
We may also disclose non-public personal information about you to third parties as permitted by law.
In addition, we may share the information that we collect (as described above) with other Companies outside the Paramount family with whom we have
teamed up through a joint marketing agreement to provide you with a particular benefit or service. We may also share this information with other
companies which perform specific or contracted service on our behalf, such as programmers or data processors.

We protect non-public personal information about former customers.
If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices provided in this
notice.
We have safeguards in place.
We have safeguards in place to protect the confidentiality, security and integrity of your non-public personal information. We restrict access to non-
public personal information to employees based on their need to know information in order to serve your account or provide products or services to
you. We maintain physical, electronic and procedural safeguards that comply with government requirements to guard non-public personal information.

You have choices.
You can choose how your information may be shared with non-affiliated third parties, as well as other companies within the Paramount family.
We are permitted to share non-public personal information about you with non-affiliated third parties in certain circumstances. For example, we may
share non-public personal information about you to third parties to assist us in servicing your account with us, in response to subpoenas and to credit
bureaus.
We may also share the information we collect with non-affiliated third parties, such as selected retailers or direct marketers, unless you direct us not
to. If you wish to prevent this sharing, other than that permitted by law, simply complete and return the attached Response Form.
Under the Fair Credit Reporting Act, we are permitted to share information about our experiences with you or your account, such as your account
balance and payment history with us, with other companies in the Paramount family. We also may share within the Paramount family of companies
additional information about you or your account, such as information we receive from you in applications and information from credit reporting
agencies.
You may direct us not to share with other companies within the Paramount family any information that does not relate solely to our experiences with
you or your account, such as information we receive from you in applications and information from credit reporting agencies. You do so by completing
and returning the attached Response Form.

Paramount does not share medical information.
We do not share medical or health information except to process transactions or to provide services you have requested or initiated. We only obtain
medical information in conjunction with insurance products.

We appreciate the opportunity to serve your financial needs. We pledge to follow the policies, safeguards and guidelines as described in this notice,
and to protect the confidentiality of your information. Your relationship is very important to us, and we will take great care to honor these commitments
to you. Thank you for choosing Paramount.
This notice applies to individuals and covers Information in connection with consumer transactions.
This notice (other than that portion concerning The Fair Credit Reporting Act, which is effective Immediately) shall be effective July 1, 2001; however,
you may exercise your right to opt out at any time.
The Paramount family includes:
       Paramount Bank
       Paramount Securities, Inc.

Glossary of Terms
An individual who seeks or obtains a financial product or service for a personal, household or family purpose.
Customer: A consumer who establishes an account relationship with Paramount.
Joint Marketing Agreement: This is an agreement in which Paramount contracts with another financial institution with whom we have teamed to
market either or both of the institutions products or services.
Non-Affiliated Third Party: Any person (including natural persons as well as corporate entities) except a company within the Paramount family, or a
joint employee of Paramount and a third party.
Non-Public Personal Information: Personally identifiable information that is provided by a consumer to Paramount; that results from a transaction
with the consumer or other service provided to the consumer; or that is otherwise obtained by Paramount. Non-Public Personal information also
includes list or other groupings of consumers that are derived from using any information that is not publicly available.

                                                                        Response Form
Please use this form if you wish to decline, or "opt out"of information sharing.
______ I wish to exercise my right to opt out of certain third-party information sharing, As described in this Privacy Notice.
______ I wish to exercise my right to opt out of certain information sharing among the Paramount family of companies, as described in this Privacy Notice.
To change our records to reflect your desire to opt out, please provide us with the following information. Opt out decisions will also apply to others with whom you have
joint accounts at a Paramount company.
Please print clearly.

Name                                                                                          Phone No. (           )                          Date

Address                                                                           City                                           State           Zip
                Please complete this form, detach it and mail it to:   Paramount Bank, 31000 Northwestern Hwy., STE 200, Farmington Hills, MI 48334
                                                  Or you may call 1-800-421-BANK to opt-out of information sharing.
PLEASE NOTE: Each Paramount entity will continue to contact its individual customers with offers for its own products and services. You will continue to receive marketing
messages via your statement, as well as direct marketing solicitations. The Fair Credit Reporting Act does not prohibit us from sharing some information about you. For
example, we can share information within the Paramount family of companies including identification information such as name, address, and phone number.