Bank of Wolcott Privacy Notice

Latest Revision April 2012

FACTS	WHAT DOES BANK OF WOLCOTT DO WITH YOUR PERSONAL INFORMATION?
WHY?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
WHAT?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number Account balances Payment history Credit history Credit card or other debt Checking account information When you are no longer our customer, we continue to share your information as described in this notice.
HOW?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Bank of Wolcott chooses to share; and whether you can limit this sharing.

FACTS

WHAT DOES BANK OF WOLCOTT DO WITH YOUR PERSONAL INFORMATION?

WHY?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

WHAT?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security number
Account balances
Payment history
Credit history
Credit card or other debt
Checking account information

When you are no longer our customer, we continue to share your information as described in this notice.

HOW?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Bank of Wolcott chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information.	Does Bank of Wolcott share?	Can you limit this sharing?
For our everyday business purposes – Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes – To offer our products and services to you.	No	We don't share
For joint marketing with other financial companies	No	We don't share
For our affiliates’ every day business purposes – information about your transactions and experiences	No	We don't share
For our affiliates' everyday business purposes – information about your creditworthiness.	No	We don't share
For nonaffiliates to market you	No	We don't share

Reasons we can share your personal information.

Does Bank of Wolcott share?

Can you limit this sharing?

For our everyday business purposes –
Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

For our marketing purposes –
To offer our products and services to you.

We don't share

For joint marketing with other financial companies

We don't share

For our affiliates’ every day business purposes –
information about your transactions and experiences

We don't share

For our affiliates' everyday business purposes –
information about your creditworthiness.

We don't share

For nonaffiliates to market you

We don't share

Questions
Questions?	Call 219-279-2185 or go to www.bankofwolcott.com

Questions

Questions?

Call 219-279-2185 or go to www.bankofwolcott.com

Who We Are
Who is providing this notice?	Bank of Wolcott

Who We Are

Who is providing this notice?

Bank of Wolcott

What We Do
How does Bank of Wolcott protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Bank of Wolcott collect my personal information?	We collect your personal information, for example, when you: Open an account Deposit money Apply for a loan Give us your contact information Show your driver's license We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only: Sharing for affiliates’ everyday business purposes – information about your creditworthiness Affiliates from using your information to market to you Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

What We Do

How does Bank of Wolcott protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does Bank of Wolcott collect my personal information?

We collect your personal information, for example, when you:

Open an account
Deposit money
Apply for a loan
Give us your contact information
Show your driver's license

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only:

Sharing for affiliates’ everyday business purposes – information about your creditworthiness
Affiliates from using your information to market to you
Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates:	Companies related by common ownership or control. They can be financial and nonfinancial companies Bank of Wolcott has no affiliates.
Nonaffiliates:	Companies not related by common ownership or control. They can be financial and nonfinancial companies Bank of Wolcott does not share with nonaffiliates so they can market to you.
Joint Marketing:	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Bank of Wolcott does not jointly market.

Definitions

Affiliates:

Companies related by common ownership or control. They can be financial and nonfinancial companies