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

• Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
• Deposit account
• Loan account
• Safe deposit box
• Self-directed Individual Retirement Account
• Financial, investment, or economic advisory services
• Former customers

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms.
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. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, or 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 person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."

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

• Information you give us on applications or other
  forms
• Information about your transactions with us
• Information about your transactions with other
  parties
• Information from a consumer reporting agency
• Information we receive as a result of verifying customer information

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

YOUR INFORMATION AND OTHER PARTIES
We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures
necessary to service your account or prevent unauthorized transactions.

INFORMATION ABOUT FORMER CUSTOMERS
We have the same policy about disclosing information about former customers as we do about current customers.

AUTHORIZED SHARING - OUTSIDE MARKETING SERVICES
We may disclose the following information to companies that perform marketing services on our behalf:

• Information you give us on an application or other forms, such as:
  Name
  Address

We disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose information about you to other outside marketing services as permitted by law.

Types of Businesses
Here are the types of businesses with whom we may disclose information for outside marketing purposes:

Service providers that perform marketing services for us

Reasons For Disclosing
We may disclose information about you to companies that perform marketing services on our behalf to provide you with information about additional products and services.

AUTHORIZED SHARING - JOINT MARKETING
We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

• Information you give us on an application or
  other forms, such as:
  Name
  Address
• Information about your transactions with us,such as:
  Types of accounts

We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.

Types of Businesses
We may disclose information pursuant to joint marketing agreements to the following types of businesses:

Financial service providers, such as:

• Securities broker-dealers
• Insurance agents
• Credit card issuers

Reasons For Disclosing
We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services.

How can we help you?
To find out how we can help you, please stop by any branch office, complete our information request form or give us a call at 1.866.354.ECSB (3272).