Stoughton Co-operative Bank

Protecting your privacy is important to us. We want you to understand what information we collect and how we use it. In order to provide you with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain information about you.

Notice Concerning Your Privacy Rights:

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 that we provide to you. We do not provide nonpublic information on deposit accounts that you may have with us, but we may provide nonpublic information to nonaffiliated third parties with respect to all other relationships that we may have with 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 information confidential as described in this notice.

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 consumer reporting agencies; and
Verification by outside sources (such as employment, credit relationships, loan balances, etc.)

We may disclose the following kinds of nonpublic personal information about you:

Information we receive from you on applications or other forms, such as your name, address, social security number, assets and income;
Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions, credit card usage; and
Information we receive from consumer reporting agencies such as your creditworthiness and credit history.

We may disclose nonpublic personal information about you to the following types of third parties, including our affiliates and nonaffiliated third parties:

Financial service providers, such as mortgage bankers, securities broker dealers, and insurance agents,
Non financial companies, such as retailers, direct marketers, airlines, publishers; and
Others, such as non profit organizations.

We may disclose nonpublic personal information about you to our affiliates and nonaffiliated third parties as permitted by law.

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

IF YOU PREFER THAT WE NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION ABOUT YOU TO THIRD PARTIES, YOU MAY OPT OUT OF THOSE DISCLOSURES, THAT IS, YOU MAY DIRECT US NOT TO MAKE THOSE DISCLOSURES (OTHER THAN DISCLOSURES PERMITTED BY LAW). IF YOU WISH TO OPT OUT OF DISCLOSURES TO THIRD PARTIES, YOU MAY CONTACT YOUR LOCAL BRANCH TO CHANGE YOUR PRIVACY OPTIONS.

Any privacy options you have already chosen will remain in effect until you submit a change in writing. Any changes submitted will take effect in a reasonable period of time, approximately 6 to 8 weeks after receipt of such notice.

We restrict access to nonpublic personal information about you to those of our employees who need to know that information in order for us to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your non¬-public personal information.

USA Patriot Act

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license and other identifying documents