Suffolk County National Bank Privacy

The Suffolk County National Bank recognizes the importance of safeguarding the personal nonpublic financial information of our Customers. This Notice explains our policy regarding any nonpublic personal information you may provide to us and how we may use that information to provide you with financial products and services. We are committed to maintaining the confidentiality of your personal nonpublic information and to providing our Customers with the best possible service. This Notice describes the privacy policy of Suffolk County National Bank and the other members of our corporate family, called affiliates, which are identified in this Notice (collectively “we,” “our,” “us”) as they apply to each natural person who, for personal, family or household purposes, opened a deposit account, obtained a loan, made an investment or who receives any financial product or service from us (called “you,” “your,” “Customer”).

1. Information We Collect We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms, such as name, address, social security number, employment status, assets, income and investment objectives;

Information about your transactions with us, our affiliates and others, such as your account balance(s), payment history, parties to the transaction;

Information we receive from a consumer reporting agency, such as your credit score and credit history;

Information from others about you regarding their relationships with you such as an employer or creditor whom we contact to verify representations made by you in a loan or other application for the purpose of determining your eligibility for credit or some other financial service or product from us.

2. Information We May Share With Others

A. Marketing Our Services-- All of the information we collect, as described herein, may be disclosed to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We may engage in these activities in order to offer additional services or products that may be of interest to you.

The companies with whom we contract to provide you with financial products or services, either on our behalf, or jointly with us, are each required to keep your nonpublic personal information confidential, using it only to offer you such additional products or services. They are not authorized to use this information for any other purpose.

B. Only As Permitted By Law-- Other than for the limited purpose of marketing our own products and services to you or marketing a financial product or service to be jointly offered by us and another company/financial institution, we will not disclose any nonpublic personal information about you to a third party – whether an affiliate or a non-affiliate - other than as permitted by law. For example, we may disclose any of the information we collect, as described above, to complete a transaction you request such as providing pay-off information when you want to satisfy a loan with us or forwarding information to an insurance company if you have requested credit life or accident and health coverage as an optional feature of a loan from us.

By law we are also permitted to disclose information: to companies that perform services on our behalf such as in the servicing of your loan or in preparing and sending periodic statements of your accounts; to credit reporting agencies; and to others when you request or authorize us to share information about you. We may also share such information in response to a subpoena or other form of legal process; to protect you, ourselves or other Customers such as in connection with a fraud investigation; to perfect our security interest in your collateral such as by recording a mortgage; and otherwise as permitted or required by law.

3. Visiting Our Website-- We don’t collect personal information about you just because you visited our website. Something called a ‘cookie’ allows us to know that someone has visited our website and what portions of it were viewed. A cookie will not identify the visitor and is not used to collect personal information.

4. Other Factors Affecting Your Privacy-- Some of the personal information which we have about you in our records may also be known to others or may even be a matter of public record, available to all. For example, if you have a mortgage loan with us your name, address, the initial amount of your loan, and the terms of the mortgage, is a matter of public record. Although we will only share nonpublic personal information about you on the limited basis described above, we can not protect you from the actions others may take when that information is also made available to them.

5. We Protect Your Information--We restrict access to nonpublic personal information about you to those employees and agents who need to know that information and which allows us to provide products and services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

6. Former Customers-- If you have closed your deposit, loan or other accounts with us and no longer have any relationship with us, we will still continue to apply our privacy policy, as set forth in this Notice, subject to future revisions, to our former Customers.

7. Affiliates-- The Affiliates of the Bank for which this Privacy Notice is also effective currently include: Suffolk Bancorp, Suffolk Greenway, Inc. and SCNB Financial Services, Inc. We may add to or change the members of our corporate family from time to time.

8. Amendments-- This Notice discloses our privacy policy as of the date shown on this Notice. We reserve the right to amend our policy from time to time, and will notify you of any significant changes.

9. Questions-- IIf you have any questions about our privacy policy please contact us at 631-208-2450. We appreciate your business and the trust that you have placed in us.

Dated: May-2008