Connecticut Privacy Protection Policy
In the normal course of our business, we may request or receive social security numbers from customers, employees, job applicants and others. At Essex Savings Bank, we are concerned about privacy and appreciate the fact that social security numbers deserve special protection.

As a result, we have implemented policies and procedures which are designed to:

1. protect the confidentiality of social security numbers,
2. prohibit unlawful disclosure of social security numbers, and
3. limit access to social security numbers

Essex Savings Bank Privacy Statement

At Essex Savings Bank, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with us, and we are obligated to honor that relationship with reasonable care, beginning with the information you have chosen to share with us. This information, combined with modern technology, helps us serve our customers efficiently and effectively. Whether a customer enters a branch, contacts us by phone, uses an ATM or visits our web site, established safeguards which are monitored and updated from time to time have been put in place so that information provided by customers is kept private and confidential. We believe the confidentiality and protection of customer information is one of our fundamental responsibilities. At the same time, we want to offer you the full array of financial products and services you need to accomplish your financial goals. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers’ trust. We believe we can do both through the privacy policies summarized below.

This Privacy Statement will summarize some of the policies and procedures we have in place to protect the privacy and security of your non-public personal information. This Privacy Statement covers the policies and procedures of Essex Savings Bank.

Your Responsibility
As a consumer, you are being asked to maintain a variety of account numbers and personal identification numbers (PINS) in order to facilitate the use of your accounts and to assure us of your identity. At times, it may seem inconvenient, but is intended to protect your assets as well as your privacy. It is very important that you not intentionally or unintentionally share this kind of information with anyone. The security and confidentiality of these numbers are your responsibility. If you feel that the security of this information has been compromised, please contact us as soon as possible and request our assistance.

Types of Information We Collect
We collect and accumulate nonpublic personal information about customers from a variety of sources. Specifically, we collect nonpublic personal information: (1) from our customers; (2) about our customer’s transactions with us; (3) about our customer’s transactions with affiliates and non-affiliated third parties; and (4) from consumer reporting agencies. We will limit the use and collection of information about our customers to that which is necessary to administer our business, provide good customer service, and offer opportunities that we think will be of interest to you. This means that we will use information to help us identify and mitigate potential risks or loss as well as help identify additional products or services that we believe you might want to know about.

Information We Share Among the Entities Within Our Corporate Family
We may, from time to time, share certain information among the entities in our corporate family. At present, the entities in our corporate family include Essex Savings Bank and Essex Financial Services, Inc. In the future, as we continue to adapt to the changing needs of our customers, we may add additional companies to our corporate family and information may be shared with those companies as well. The information that may be shared among the entities within our corporate family is generally limited to information about your transactions or experiences with us (for example, information concerning the types of accounts you have with us, account balances and CD maturity dates). We may also share certain information that you provide to us (such as your name, address, and other contact information). In all cases, if and when we share this information, we will only do so to the extent permitted by applicable law.

Information We Share With Others
We may, from time to time, disclose some or all of the nonpublic personal information we collect (as described above under “Types of Information We Collect”) to nonaffiliated third parties. However, we will only share information if permitted or required by law. For example, we may disclose nonpublic personal information to third parties in order to assist us in servicing or processing your account with us. We may also, for example, share information with our auditors, legal counsel and regulatory agencies. These types of disclosures are often necessary for us to conduct our business operations or to comply with applicable laws.

To the extent permitted by law, we may also disclose certain information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Those nonaffiliated third parties might include certain financial service providers, such as Vantis Life Insurance Company (this is a company that sometimes helps make certain insurance products available to our customers). These third parties might also include certain nonfinancial companies, such as a company that might be hired to help us market a product or service (such as helping us with a large mailing or analyzing data to better identify customer needs or interests). The types of information that might be shared with these third parties is generally limited to information about your transactions or experiences with us (for example, information about the types of accounts you have with us, account balances and other account terms). We may also share certain information that you provide to us (such as your name, address and other contact information).

Maintenance of Accurate Information
We strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us in writing. We will investigate your concerns and correct any inaccuracies.

Protection of Information via Established Security Procedures
Essex Savings Bank is committed to the security of your financial and personal information. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information. We have policies and procedures in place that are designed to limit access to nonpublic personal information to those employees who need to have access to the information to conduct business operations or to provide products or services to you.

Our Former Customers
Even if you are no longer our customer, our privacy policies and procedures will continue to apply to you except as provided below.

Providing Privacy Information to Customers and Responding to Inquiries
We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed this Privacy Statement, and our Privacy Notice is available on our website or at any branch location.

Please understand that this Privacy Statement is merely a summary of select aspects of our policies and procedures and does not constitute a contract. We reserve the right to revise the policies and procedures described in this Privacy Statement and, to the extent permitted by law, those revisions may affect the nonpublic personal information of our current customers and former customers. Customers who have questions about this Privacy Statement or our policies and procedures or have a question about the privacy, security and accuracy of their customer information should call us in Connecticut toll free at 1-877-377-3922 or outside Connecticut at 860-767-4414 or send us an email.

You may also write us at Attention: Privacy, Essex Savings Bank, P. O. Box 950, Essex, CT 06426.