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Whoever, being an officer, director or employee of any bank authorized to do business in the United States Virgin Islands, discloses any information concerning a depositor or borrower or such person's account with such bank, or who discloses any confidential information concerning such bank, to a person not authorized by law to obtain such information shall be fined $500 or imprisoned not more than one year, or both; provided, however, that the provisions of this section do not prohibit the confidential exchange of necessary and pertinent information between banks, domestic and foreign, and between such banks and credit bureaus with respect to the credit of any person who has applied to any such bank for a loan.