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's Privacy Policy

Important Privacy Choices for Consumers
At we value the trust you have placed in us, and we are committed to earning and maintaining your confidence. We understand there is certain information you do not want to share with everyone, and, we share your concern about safeguarding the information you provide to us. This is why we have adopted this privacy policy. This Privacy Policy is provided to you by each of the companies within the family that are listed at the end of this Privacy Policy. For convenience, these companies are referred to as "" "we," "us," "our," or "ours." The words "you," "your," or "yours" refer to each individual who is one of our customers or former customers and other individuals who obtain or request a financial product or service from us.

Information Collection
This Privacy Policy describes the kinds of information we collect, how we use that information and the limited circumstances under which we share it.

We collect information about you that we believe will be necessary or useful in processing or administering products or services that you have requested from us. We will also collect information in order to notify you about products, services and other opportunities we think will be of interest to you.

This information may be collected from a variety of sources, such as the following: (1) information provided by you in applications or other forms, or in connection with obtaining financial products and services such as mortgage loans, deposit accounts, and investment products and services, (2) information obtained from a consumer reporting agency, and (3) information about your transactions with us, our affiliates or others.

Maintenance of Accurate Information
We work hard to ensure your information is as accurate, current and complete as possible. If you ever find that our records are inaccurate or not current, please contact us at the telephone number on your account statement. If the record is within our control, we will correct any inaccurate or incomplete information.

Security Procedures to Protect Customer Information
Access to our systems containing nonpublic personal information is only provided to those employees and agents whom we determine need it for the purpose of providing products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Information Sharing Within Our Affiliated Family of Companies
There are times when we will share a portion of your nonpublic personal information with our affiliated companies that either currently exist or that we may create or acquire in the future. However, we will only do so in order to provide you with superior service, inform you of product and service opportunities that may be of interest to you, improve and develop our products and services, or perform other business functions. An "affiliated company" or "affiliate" is any member of our family of companies or any company that we own or control.

Affiliated companies may be any of the following:

1. Financial services providers, such as consumer lending and mortgage banking companies, life and casualty insurance companies, insurance agencies, securities brokerage firms, trust companies, and companies that provide settlement services, such as title agencies, escrow companies, and appraisal firms; and
2. Others, such as non-profit organizations

We may disclose all of the information we collect (described in "Information Collection," above) to our affiliates. The types of information we may share with our affiliates include (i) identifying information, such as your name, address and social security number (we call this "Identifying Information"), (ii) information about our experiences and transactions with you, such as your deposit balance, investment history, loan balance and/or payment history (we call this "Experience Information"), and (iii) information about you or the products or services you obtain from us other than Identifying Information or Experience Information, such as information we receive from your applications and information from consumer reporting agencies (we call this "Other Information") as defined in our enclosed Privacy Policy in the section entitled "Information Sharing Within Our Affiliated Family of Companies".

Information Sharing with Unaffiliated Third Parties
Unlike some other financial institutions, we do not sell customer lists or other information about our customers to unaffiliated third parties. We may share nonpublic personal information about you with unaffiliated third parties as described below. We may also disclose nonpublic personal information about you as permitted by law.

In order to efficiently and cost-effectively market our own products, we contract with companies providing marketing and solicitation services, such as printers, marketing fulfillment firms and other companies. As part of these activities, we may provide limited information about our customers to such parties. In addition, we may engage in joint marketing with unaffiliated financial institutions for various financial products and services (such as credit life and disability insurance) that we do not offer on our own, but we think will be of interest to our customers. In such cases, will always be identified in the joint marketing materials or solicitation. We may disclose all of the information we collect (described in "Information Collection" above) to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Our agreements with these companies are subject to confidentiality provisions and restrictions that prohibit using the information beyond the performance of the specified services or in connection with the jointly marketed product or service.

Our Former Customers
Rest assured that even if you are no longer a customer of , we will continue to treat the information we have with the same level of confidentiality. We appreciate your business and want you to understand our commitment to maintaining the privacy of your personal information, as expressed in this Privacy Policy. This Privacy Policy applies to individual consumers. We reserve the right to amend this Privacy Policy at any time.

Notice regarding rights under state laws: We will also comply with applicable state laws that provide you with greater privacy rights, to the extent not preempted by federal law.

Notice to Vermont residents: It is not necessary for you to exercise the privacy choices that follow to protect your privacy rights under applicable state law.

Important Privacy Choices For Consumers
We honor our customers' privacy choices. For accounts with multiple customers we will apply an opt-out by any account holder to all account holders on the account. You have the right to control whether we share some of your personal information. You also have the right to control how that information is used. Please read the following information carefully.

Your Rights
You have the following rights to restrict the sharing of personal and financial information with our affiliates and outside companies that we do business with. You also have the right to limit our affiliates from marketing their products and services to you based on information that we share with them. Nothing prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us. This includes sending you information about some other products or services.