Important Information for Consumers
We know that Privacy and Information Security are important to our customers and they are important to us, too. Below, you will find important information about our privacy and information security practices.

Notice Concerning Your Privacy Rights
We recognize our obligation to keep information about you secure and confidential. This notice will provide you with information concerning our policies with respect to nonpublic personal information that we collect about you in connection with financial products and services we provide to you.

The confidentiality of your information is important to us as we recognize that you do business with us based upon your trust that we will keep your informaiton confidential as described in this notice.

Information We Collect About You
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, our affiliates, or others;
• Information we receive from a consumer reporting agency.

No Disclosures Outside of Exceptions
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

Confidentiality And Security
We restrict access to nonpublic personal information about you to those employees who need to know that information in order for us to provide products or services to you. Our employees are bound by a code of ethics requiring confidential treatment of Customer Information and are subject to disciplinary action if they fail to follow this code. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

These procedures will continue to remain in effect after you cease to receive financial products and services from us.

Additional Information
Patriot Act and Customer Identification Program (CIP)
Important information about procedures for opening a new account as required by Section 326 of the USA PATRIOT ACT.

Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. This mandated Customer Information Program is part of the USA PATRIOT ACT, which was signed into law by President Bush in October 2001.

What this means for customers of Barre Savings Bank and our Affiliates:

• When you open an account, we will ask for your name, address, date of birth and US tax identification number.
• We will also ask to see your driver’s license or other identifying documents to verify your identity.

We thank our customers for their support in this effort.

If you have any questions about our account opening procedures, please contact Customer Service at 978-355-4693 or Toll Free at 877-355-4693.

Security

About Our Information Request Form and E-mail
Any information provided to us through our website (i.e., e-mail or information request forms) will be used solely for answering customer questions, or conducting Bank business.  Demographic information - including name, age, e-mail or mailing addresses - will not be distributed, or sold, to any outside source.

Accessing Your Account Through Retail Internet Banking and Business Xpress
Information handled by Internet banking remains private, secure and is used only for the normal processing of your account(s).  Internet banking uses state-of-the-art encryption technology to ensure the security of your account information.

Encryption is the method of encoding data so that only those who know the code can translate the data into understandable information.

Internet banking uses 128-bit encryption (the highest level that Internet browsers handle) to safeguard your account information.  The encryption process works like this: while you are sending information from your computer to the Internet banking system, your browser translates the information into a mathematical code.  It is the mathematical code that is actually transmitted to our system.  Once the system receives this code, it retranslates it into information that can be used by the Bank.

To ensure the security and privacy of your Internet banking transactions, we urge our customers to take precautions with their User ID and Password.  For example, do not allow others to see you enter your password when accessing online banking.  Once you have access, do not leave your computer unattended while you are still logged on to the service.

Bill Payment
To use the Bill Pay feature of Retail Internet Banking, it may become necessary for Barre Savings Bank to use customer information to verify or complete payments or transfers, or to resolve a problem relating to a payment or transfer.

About Cookies
By definition, a "cookie" is a file that a web server places on a computer's hard drive.  Internet banking uses a "cookie" to ensure that our customers will be able to use the services.  This "cookie" only exists for the length of time you are actually logged onto the Internet banking site and will cease to exist on your hard drive once you leave the site.

Sending an E-mail
When sending information via e-mail, please make such transmissions through our Internet banking site only.  This will ensure that your transmission will maintain the highest level of security and privacy.

If you have any questions concerning our customer information policy, please contact Customer Service at 978-355-4693 or Toll Free at 877-355-4693.