"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history and overdraft history.

The law permits you to "opt out" of certain kinds of information sharing with third parties. PWSB does not share personal information about you with any third parties that enables the opt out provision. There is nothing more you need to do to prevent sharing of information with third parties.

If you decide to close your account(s) or become an inactive customer all of the provisions described in this policy will apply.

Service Providers and Joint Marketers
 
We may disclose by law the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:

- your name and address.

The entity with whom we share nonpublic personal information is a financial institution with whom we have a joint marketing agreement.

We share this information to keep you informed about services that we feel will add value to your banking relationship with us and share information only with providers whose credentials meet our high standards of professionalism. We provide only information that we believe is adequate and appropriate to determine suitability for the service being marketed. Any entity whom we share nonpublic personal information would be a financial institution who we have a joint marketing agreement which limits the use of your personal information. You do not have the right to opt out of the disclosure of this information.

Confidentiality and Security
 
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.

All employees have entered into a confidentiality agreement with PWSB that states they will observe the strictest secrecy on customer information. Employees who violate these standards will be subject to disciplinary measures. We have trained our employees to recognize and respond to fraudulent attempts to gain customer information. We have procedures to make sure your information is accurate and pledge to respond to your requests to correct your information in a timely manner. When we do business with third parties we require similar standards of conduct.

There are benefits to you with information sharing, such as access to ATM's, availability of credit, fraud detection and faster service.

We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic information.

Our data processing systems are in a secure environment that protects your account information from being accessed by third parties. We restrict access to your information to those employees that need to know that information to provide services to you.

Banks use a combination of safeguards to protect your personal information. We are partners in protecting your privacy. You can help by protecting your PINs, passwords, review your statements, shred receipts, records and do not release your social security number over the phone. Report any suspected fraud to us.

For more information, please contact Melanie Spencer, PWSB-Compliance Officer at 1-800-550-9435.

About Children's Online Privacy

The Children's Online Privacy Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. Port Washington State Bank's websites and online services are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections, visit the Federal Trade Commission's website at www.ftc.gov/privacy/privacyinitiatives/childrens. For further information, the Federal Government has created a Web site, Kidz Privacy, aimed at educating both parents and children about the dangers of the Internet and how to browse safely.