Rev. December 2010

Facts
What does East Cambridge Savings Bank do with your personal information?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number
  • Transaction history
  • Account balances
  • Transaction or loss history
  • Payment history
  • Credit history
When you are no longer our customer, we continue to share your information as described in this notice.
How?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
Reasons we can share your personal information
Does East Cambridge Savings Bank share?
Can you limit this sharing?

For our everyday business purposes -

such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes
No

For our marketing purposes -

to offer our products and services to you
No
We don't share
For joint marketing with other financial companies
Yes
No

For our affiliates' everyday business purposes -

information about your transactions and experiences
No
We don't share

For our affiliates' everyday business purposes -

information about your creditworthiness
No
We don't share
For nonaffiliates to market to you
No
We don't share
Questions?
Call toll-free 1.866.354.ECSB (3272) or go to www.ecsb.com
What We Do
How does East Cambridge Savings Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does East Cambridge Savings Bank collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Provide account information
  • Make deposits or withdrawals from your account
  • Give us your contact information
  • Apply for financing
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates' everyday business purposes - information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions
Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

  • East Cambridge Savings Bank has no affiliates.
Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies

  • East Cambridge Savings Bank does not share with nonaffiliates so they can market to you.
Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include credit card companies and investment and insurance providers.
Other Important Information
For Massachusetts Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.