• Date and time our site was accessed
• IP address (a numeric address given to computers connected to the internet)
• Web browser used
• City, State, and Country

Biddeford Savings uses this information to create summary statistics and to determine the level of interest in information available on our site.

Visitors may elect to provide us with personal information via e-mail. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other third parties.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

In this notice, we, our, and us mean Biddeford Savings. The words you and your mean the following types of customers:

All of our consumer customers who have a continuing relationship with us, such as:

• deposit account
• loan account
• safe deposit box
• self-directed Individual Retirement account where we act as custodian or trustee.

At Biddeford Savings the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with Biddeford Savings Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.

At Biddeford Savings we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. While information is critical to providing quality service, we recognize that one of our most important assets is our customers' trust. Thus, the safekeeping of customer information is a priority.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.

THE INFORMATION THAT 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 from a consumer reporting agency.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
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 standards to guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION AND OTHER PARTIES
We do not disclose your nonpublic personal information to other parties except as permitted by law or as disclosed in this disclosure.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
We do not disclose nonpublic personal information about former customers, except as permitted by law.

AUTHORIZED SHARING - JOINT MARKETING
We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

• Information you give us on an application or other forms, such as:
  • Name
  • Address

We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.

State Limitations

AL, AK, ID and VT - We will not share this information about customers who reside in Alabama, Alaska, Idaho or Vermont.
MA, MS and NJ - We will not share any information derived from deposit relationships with us about customers who reside in Massachusetts, Mississippi or New Jersey.
IL - We will not share this information about our customers who reside in Illinois with other parties.

Types of Businesses

We may disclose information pursuant to joint marketing agreements to the following types of businesses:

• Financial service providers, such as
  • Insurance company

If you share your account relationship with someone else, for example where you are a co-borrower or joint holder of a checking account, we suggest that you share this information with each other to ensure that each of you are aware of our policy.

We value your business and hope you will remain with us for many years to come. If you ever have questions or concerns about the integrity of your account information - or any other aspect of our business operations - please do not hesitate to telephone or come in to talk to us.