PRIVACY NOTICE

Androscoggin Bank is committed to respecting the individual privacy of consumers. Since your privacy is a priority to us, Androscoggin Bank will not share non-public information about you with third parties, except as explained in our Privacy Policy.

Privacy Policy

Protecting your privacy is important to Androscoggin Bank. We want you to understand what information we may gather and how we may share it. This Privacy Policy explains Androscoggin Bank’s collection, use, retention and security of information about you.

How We Gather Information

We may obtain non-public personal information about you from the following sources;

• Information we receive from you, such as information on applications or other forms, which may include your name, address, social security number, and income.
• Information about your transactions with us, our affiliates, or others, such as your account balances, account usage and payment history.
• Information we receive from consumer reporting agencies, motor vehicle dealers, credit references, employers, insurance companies, and insurance agencies, such as your credit history, credit score, and information that we obtain to verify employment history. At no time will we ever ask you via email to provide personal banking account information. If you receive such a solicitation, please forward it to  feedback@androscogginbank.com.

Sharing Information

We restrict access to your information to those employees who need to provide information about you to third parties as permitted by law such as:

• To respond to a subpoena or court order, judicial process or regulatory authorities.
• To consumer reporting agencies.
• In connection with a proposed or actual sale, merger, or transfer of all or a portion of a business or an operating unit.
• To protect against fraud.

In addition, we may provide information about you to our employees and service providers to help us process your application or service your accounts. Our service providers may include billing service providers, mail and telephone service companies, insurers, loan settlement service providers, property inspection companies, attorneys and other professionals.

We may also provide information about you to our employees and service providers to help us perform marketing services. The information may include the categories of information described previously under "How We Gather Information". Disclosure is limited to only that information which we deem appropriate for employees and service providers to carry out their functions.

Opt Out

Androscoggin Bank does not provide its customers with an opportunity to "opt out" of information sharing. The reason for this is because the information sharing arrangements of the bank with third parties as described in this policy under "Sharing Information", are by law, information sharing arrangements for which "opt out" is not applicable or required; or, may not be allowed as in the case of subpoena’s or other requests by law enforcement agencies.

Our Former Customers

Even if you are no longer an Androscoggin Bank customer, our Privacy Policy will continue to apply to you.

Our Security Practices and Information Accuracy

We also take steps to safeguard customer information. We maintain physical, electronic, and procedural safeguards that comply with Federal standards to protect customer information. We also have internal controls to keep customer information as accurate and complete as we can.

If you believe that any information about you is not accurate, please let us know.

Visits to Our Internet Site

When you visit us on the Internet, we may place a "cookie" on your browser that records the number of visits made to our various web pages; however personal information is not collected. The information we do collect is; IP address, operating system, browser, the site from which you entered our site, the activity you performed while visiting our site, and the site you will be entering upon leaving our site.

Androscoggin Bank makes every effort to safeguard all of the important data it touches, and we strongly recommend that you keep your personal computer’s security up to date as much as possible. Upgrading your browser’s security is a critical step to safeguarding the personal data that resides on your computer.

This Privacy Policy applies to products or services provided by Androscoggin Bank. We reserve the right to change this Privacy Policy, and any of the policies described above, at any time.

If you have any questions regarding our Privacy Policy please contact us at P.O. Box 1407, Lewiston, Maine 04243-1407 or call us at 1-800-927-3344.

Revised October 2007