Privacy Policy
Your relationship with Bank of Essex is very important to us. We will keep confidential any information about our customers or former customers that we obtain through the course of our relationship. We may share only certain information more fully described below in order to offer you the array of financial products and services you need to accomplish your financial goals and help meet your needs.

It is the policy of Bank of Essex to collect nonpublic personal information about consumers from the following sources:

1) Applications for loans and other forms used by the bank to effect or process transactions;

2) As a result of your transactions with us, our affiliates, or others; and

3) From consumer reporting agencies.

The information we collect may include:

1) Your name, address and telephone number;

2) Your social security number;

3) Your income and current and past employers;

4) Information which you provide to us in deposit and loan product applications;

5) Account balances (both deposits and loans) and transaction histories with us.

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law, such as to effect, administer and enforce a transaction, or to a consumer reporting agency.

On occasion, we may disclose the following types of nonpublic personal information to certain non-affiliated financial institutions with which we have joint marketing agreements in order to provide you with access to products and services, such as personal lines of insurance, which we feel will be beneficial to you:

• Information we receive from you on applications or other forms, such as your name, address and telephone number.

These companies are contractually required to adhere to our strict standards of information confidentiality and security and are not permitted to use our customer information for any purpose other than the intended service.

Access to your nonpublic personal information is restricted to only those Bank of Essex employees who need to know that information in order to provide products or services to you. In addition, the Bank maintains physical, electronic and procedural safeguards, in compliance with Federal regulations, to guard your nonpublic personal information.
 
Web page last updated: November 14, 2007