Privacy Statement

Thank you for choosing to do business with Rollstone Bank & Trust. Because you are a valued customer, we want to share some thoughts with you about customer information and privacy.

Safeguarding personal information in the age of technology presents new challenges for all of us. At Rollstone Bank & Trust, your trust is our greatest asset. For that reason, we have adopted strong privacy guidelines to ensure that any private financial information you share with us is protected and held in confidence. However, it is important to understand that at Rollstone Bank & Trust, we have always protected our customers’ privacy. Our employees are well trained and are held to the highest standards of conduct.

When we do use customer information, it is to help us serve you better. For example, we use information to detect and stop fraud and criminal activity. Sharing information internally or with business partners is also necessary to deliver everyday conveniences, like ATM access and streamlined customer service. It also helps us to appreciate all the business you have with our bank and to identify affordable products and services that might serve you better.

WHAT YOU SHOULD KNOW

Your Right to Financial Privacy
You have the right to know the privacy policies and practices of the financial institutions you deal with in respect to information sharing with both affiliates and nonaffiliated third parties.

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

•  Information we receive from you on applications or other forms;
•  Information about your transactions with us;
•  Information about your transactions with nonaffiliated third parties;
•  Information we receive from a consumer reporting agency.

Information We Disclose About You
We do not disclose any nonpublic personal information about you and former customers to anyone except as permitted by law. We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Confidentiality and Security
We restrict access to nonpublic personal information about you to those employees and service providers who need to know that information to provide products or services to you. We maintain physical, electrical and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Internet Privacy
Safeguarding your personal information when interacting with us via the Internet is also important. We apply the same standards discussed above when managing your personal information we receive over the Internet. If you submit an online application to us, your personal information is encrypted prior to its transmission to us. We restrict access to your personal information to those employees who need to know to provide products or services to you.

The Privacy Partnership
Ultimately, privacy is a partnership. You, too, can take steps to secure your personal information by following these tips:

• Never give out your Social Security number or personal credit information over the phone unless you initiate the call.
• Tear up or shred receipts, bank statements, and unused credit card offers.
• Keep track of your mail. If a statement, check, or bill is missing, someone may have changed your billing address.
• Don't mail bills from your own mailbox. Drop them in the mailbox or at the post office.
• Review your credit report annually, and report and correct mistakes.
• Keep your browser's padlock or key icon active when doing business online.
• Don't open e-mail from unknown sources.
• Use virus protection software.
• Protect your PINs and passwords. Change them often. Use a combination of letters and numbers.
• Report any suspected fraud to us immediately, and notify the fraud division of the three major credit bureaus:

1. Trans Union 800-680-7289
2. Experian 888-397-3742
3. Equifax 888-766-0008
    

Questions
We are strongly committed to our relationship with you and want to be sure you understand the steps we have taken to protect your personal information. Questions or comments may be directed to us at:

By postal mail -
Attn: Compliance Officer
Rollstone Bank & Trust
780 Main Street
P.O. 8208
Fitchburg, MA 01420

By phone -
1-800-640-1166
978-345-1061

Or by emailing us.

Effective 2/08