Mutual Savings Bank wants you to know about the information we collect about you and how we might use this information.

• Information we receive from you on applications or other forms;
• Information about your transactions with us, or others; and
• Information we receive from a third party, such as a consumer reporting agency.

"Nonpublic personal information" is nonpublic information about you that we may obtain in connection with providing a financial product or service to you. This could include information such as account balances, payment history, and overdraft history.

Information we disclose
We do not disclose any nonpublic personal information about you to anyone, except as permitted by the law.

If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices described in this notice.

Our security measures
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with Federal regulations to guard your nonpublic personal information.

This notification meets the notification requirements of the joint regulatory agencies' final rules on privacy of consumer information,
15 USC 6801.