Online Privacy Statement

Last Edited: July 14, 2026

Mauch Chunk Trust Company (“MCT,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the information you provide when using www.mct.bank.

This Online Privacy Statement explains how information is collected, used, disclosed, and protected when you visit www.mct.bank and submit information through our website.

This Online Privacy Statement supplements our Consumer Privacy Policy provided pursuant to the Gramm-Leach-Bliley Act (GLBA) and does not replace that notice.

Scope

This Online Privacy Statement applies only to information collected through:

• www.mct.bank
• Online forms and digital services made available through www.mct.bank

This Statement does not apply to third-party websites, applications, or services that may be linked from www.mct.bank.

Information collected through MCT’s consumer and business Mobile Banking applications is governed by our Mobile Privacy Policy.

Information We Collect

Depending on how you interact with www.mct.bank, we may collect information that you voluntarily provide, including:

• Name
• Mailing address
• Email address
• Telephone number
• Information submitted through online forms
• Information submitted through online applications
• Other information you choose to provide

When you visit www.mct.bank, certain technical information is collected automatically, including:

• IP address
• Browser type and version
• Device type
• Operating system
• Pages viewed
• Date and time of your visit
• Referring website
• General website activity

This information helps us maintain website security, improve website functionality, understand how visitors use our website, and enhance the customer experience.

Cookie Declaration

MCT uses Cookiebot by Usercentrics to automatically identify and categorize the cookies and similar technologies used on our website. The Cookie Declaration is generated automatically by Cookiebot and updated whenever our website is scanned. It provides information regarding the cookies currently in use, the provider of each cookie, the purpose of each cookie, expiration periods, and cookie category.

Cookies and Similar Technologies

www.mct.bank uses cookies and similar technologies to operate the website, improve functionality, measure website performance, and better understand how visitors use the website.

We use a cookie consent management platform that allows visitors to review and manage their cookie preferences.

Cookies used on www.mct.bank may include:

• Strictly Necessary Cookies
• Preference Cookies
• Analytics Cookies
• Marketing Cookies

Strictly Necessary Cookies are always active because they are required for the website to function properly.

Preference, Analytics, and Marketing Cookies personalization, session replay, visitor recording, and similar optional technologies are activated only after you provide any consent required by applicable law through our cookie preference tools.

Until such consent is provided, these optional technologies remain disabled and do not collect information from your browser or device through www.mct.bank.

You may review or change your cookie preferences at any time by selecting the Cookie Settings link available on www.mct.bank.

Cookie preferences are stored separately for each browser and device. If you use a different browser or device, or clear your browser cookies, you may be asked to make your selections again.

Disabling certain cookies may affect the functionality of portions of the website.

MCT configures its website so that optional analytics, advertising, marketing, personalization, visitor recording, and similar technologies are not activated unless authorized through the user’s cookie preferences. Visitors may modify those preferences at any time through the Cookie Settings link available on the website.

Analytics and Website Measurement

With your consent where required, MCT uses website analytics and measurement technologies to better understand how visitors use www.mct.bank.

These tools help us:

• Measure website performance
• Improve navigation
• Identify technical issues
• Evaluate marketing effectiveness
• Improve the customer experience

Website analytics and similar technologies are enabled only in accordance with your cookie preferences where required by applicable law.

Analytics information is generally collected in aggregate and is used to improve our website and digital services.

When enabled, analytics technologies help us understand website usage patterns, improve website functionality, assess website performance, identify technical issues, and enhance user experience. Analytics technologies are not used to monitor the contents of information submitted through online applications, online banking services, or secure communications.

How We Use Information

Information collected through www.mct.bank may be used to:

• Respond to requests and inquiries
• Process online applications
• Provide requested products or services
• Improve website functionality and performance
• Enhance customer experience
• Detect and prevent fraud
• Protect the security of our systems
• Comply with legal and regulatory requirements
• Communicate with you regarding products, services, financial education, community events, or other information where permitted by law
• Collect, use, retain, and disclose information only to the extent reasonably necessary and proportionate to achieve the purposes described in this Online Privacy Statement and for applicable legal and regulatory requirements

Online Communications

When you voluntarily submit information through an online form, application, or other website feature, that information is transmitted to and received by MCT and service providers acting on MCT’s behalf for purposes of processing your request, application, transaction, or communication.

MCT does not permit third-party service providers to use the contents of such communications for their own independent advertising, marketing, or unrelated business purposes.

Protecting Your Information

We maintain administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, alteration, or disclosure.

Access to personal information is limited to employees, service providers, and authorized third parties who require access to perform legitimate business functions.

While we use reasonable safeguards designed to protect your information, no method of transmitting information over the Internet or storing electronic information can be guaranteed to be completely secure.

Sending Confidential Information

For your protection, please do not send account numbers, Social Security numbers, passwords, PINs, or other confidential personal or financial information through unsecured email or through the general contact form on www.mct.bank.

If you need to send confidential information regarding your accounts, please sign in to MCT Online Banking and use Secure Messaging, or contact us directly by telephone at 877-325-2265.

Data Retention

Information collected through www.mct.bank is retained only for as long as necessary to fulfill the purposes described in this Online Privacy Statement, comply with applicable laws and regulations, maintain appropriate business records, resolve disputes, protect our legal interests, and enforce our agreements.

Retention periods vary depending on the type of information involved and applicable legal or regulatory requirements.

Third-Party Websites

www.mct.bank may contain links to websites or services operated by third parties for your convenience.

Once you leave www.mct.bank, you are subject to the privacy policies and practices of the applicable third party. This includes websites related to investment or wealth management services and other external providers.

MCT is not responsible for the privacy, security, or content of external websites. We encourage you to review the privacy statements of any third-party website before providing personal information.

In addition to links to third-party websites, www.mct.bank may include content and tools that are hosted or provided by third parties and embedded directly within our pages. Examples may include website analytics and measurement tools, maps, video players, security and fraud-prevention tools, and social media features. Where enabled through applicable cookie preferences, these tools may collect information such as IP address, device information, and interactions with the applicable content and may use cookies or similar technologies necessary for the functionality provided. This information is collected directly by the third party and is handled in accordance with that third party’s own privacy policy, which MCT does not control. Where required by applicable law, non-essential third-party tools are enabled only in accordance with your cookie preferences.

MCT may engage service providers to perform website hosting, analytics, fraud prevention, cybersecurity, operational support, and similar business functions on MCT’s behalf. These service providers are authorized to process information solely to provide services to MCT and may not use such information for their own independent advertising, marketing, profiling, or unrelated commercial purposes.

Social Media

Mauch Chunk Trust Company maintains official profiles on various social media platforms.

Any information you voluntarily post, comment on, or otherwise share through MCT’s social media pages is also subject to the privacy policies and terms of the applicable social media platform. We encourage you to review those privacy policies before sharing personal information.

Mobile Banking

Information collected through MCT’s consumer and business Mobile Banking applications is governed by MCT’s Mobile Privacy Policy. We encourage users of our Mobile Banking applications to review that policy to understand how information is collected, used, and protected within the mobile application.

Gramm-Leach-Bliley Act (GLBA) and State Privacy Laws

As a financial institution, Mauch Chunk Trust Company is subject to the federal Gramm-Leach-Bliley Act (GLBA), which establishes standards for safeguarding customer financial information.

Certain state consumer privacy laws recognize exemptions for personal information that is collected, processed, disclosed, or otherwise protected pursuant to GLBA. However, some online information, including cookies, website analytics, and other digital interactions, may also be subject to applicable state privacy requirements.

Where applicable, MCT provides consumers with reasonable opportunities to exercise privacy choices relating to the collection and use of information through our website.

Your Privacy Choices

Depending on your location and applicable law, you may have choices regarding:

• Optional website cookies
• Marketing communications
• Updating certain personal information
• Exercising privacy rights available under applicable law

You may review or update your cookie preferences at any time by selecting the Cookie Settings icon at the lower left of any page on www.mct.bank.

MCT may work with third-party service providers to deliver advertisements and measure their effectiveness. These providers may use cookies or similar technologies to collect information about your activity across websites over time. To learn more about interest-based advertising or to opt out of certain types of advertising, you may visit:

• Digital Advertising Alliance: https://optout.aboutads.info
• Network Advertising Initiative: https://www.networkadvertising.org

Please note:

• Opting out does not eliminate ads
• It may result in less relevant advertising

MCT does not sell personal information for monetary consideration. MCT also does not disclose personal information to third parties for their independent advertising or marketing purposes without any consent required by applicable law.

Changes to This Online Privacy Statement

MCT may update this Online Privacy Statement from time to time to reflect changes in technology, legal requirements, our online services, or our privacy practices.

Any changes become effective when posted on www.mct.bank. The Effective Date at the top of this Statement indicates when it was last revised.

Contact Us

If you have questions regarding this Online Privacy Statement or MCT’s online privacy practices, please contact:

Mauch Chunk Trust Company
1111 North Street
P.O. Box 289
Jim Thorpe, PA 18229-0289

Phone: (877) 325-2265

Contact Us