Privacy Policy and Disclosure

Rowley Savings Bank collects 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 or others
• Information we receive from a consumer reporting agency

We do not disclose any nonpublic personal information about you to anyone, except as permitted by law. If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice. Rowley Savings Bank restricts access to your personal and account information to those employees who need to know that information to provide products or services to you. Rowley Savings Bank maintains physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

We may disclose all of the information we collect as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.