Protecting Your Privacy
At Edgartown National Bank, the basis of each customer relationship is trust. You have chosen to do business with Edgartown National Bank and we are obligated to honor that relationship with great care, beginning with the information that you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you an array of financial products and services so that you can accomplish your financial goals. We believe that we can do both through the Privacy Statement that we have adopted.

Our Privacy Pledge to Customers

• We are committed to maintaining the privacy of your information and will use strict security standards to safeguard it.
• We collect only the information that is needed to serve you and to administer our business.
• We carefully limit and control the sharing of your information.
• We limit employee access to your information.
• We strive to maintain the accuracy of your information.
• We encourage you to be our partner in safeguarding your information.

This privacy statement applies only to nonpublic personal information obtained by us in connection with financial products and services for personal, family or household purposes (and not business purposes). This notice takes precedence over any previous privacy notice or statement issued by us.

Information We Collect
The type of information we collect depends upon the type of product or service you obtain from us. We may collect "nonpublic personal information" about you. "Nonpublic personal information" is information about you, which is not available from public sources, obtained in connection with providing you with a financial product or service. For example, nonpublic personal information may include information regarding your account balance, payment history or deposit account activity.

We may collect this personal information from the following sources:

• Information we receive from you on applications or other forms you may complete and provide to us, such as your name, address, social security number, assets, income and, in the case of applications for insurance, health and medical information;
• Information about your transactions with us, such as your account balance, payment history, or products and services used;
• Information such as your creditworthiness and your payment history that we receive from third parties, such as credit bureaus;
• Information from outside sources regarding employment, credit and other relationships. Examples include your employment history, balances, credit card balances, property insurance coverage and other verifications; and
• As required by the USA Patriot Act, we also collect information and take actions necessary to verify your identification.

Information We Disclose
Under no circumstances do we provide information to companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

Under certain circumstances, we disclose personal information about you to "nonaffiliated third parties" (i.e. third parties that are not affiliated with Edgartown National Bank or Island Bancorp). For example, we disclose personal information about you to third parties to assist us in servicing your Edgartown National Bank account, to government entities as required by law in response to subpoenas and to credit bureaus. We will not disclose any nonpublic personal information about you to any other third parties, except as permitted by law.

On occasion, we carefully select joint marketing providers to offer our customers specialized financial services, such as mortgage life insurance and credit cards. Although these providers are not affiliated with us, they work closely with us to help meet your financial needs. If appropriate, we may disclose to these providers information received from you on applications or other forms, such as your name and address, as well as information about your transactions with us, such as opening dates and types of accounts. We may also enter into arrangements with nonaffiliated companies or firms whose expertise is essential for our own services to function properly or to complete transactions. For example, we may work with specialized firms that enable online banking or generate account statements for our customers. As permitted by law, we disclose to these service providers the customer information that is necessary to perform these functions. These marketing companies and outside service providers are required by us to safeguard the confidentiality of your nonpublic personal information and to use it only for authorized purposes.

We also may disclose the nonpublic personal information we collect about you to other non-affiliates, as permitted by law. We do not disclose any nonpublic personal information about our former customers to anyone except as permitted by law. For example, certain federal and state laws may require us to disclose information about you if you are involved in litigation with a third party. In such circumstances only the specific information required by law, subpoena or a court order will be disclosed. If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

Our Security Procedures
At Edgartown National Bank, access to your personal and account information is limited to those employees who need to know that information as part of their job, to service your account or to provide you with products or services. Employees are educated as to the importance of maintaining the confidentiality of customer information and on these Privacy policies and procedures. In addition, we maintain physical, electronic and procedural safeguards that are reasonably designed to safeguard your nonpublic personal information.

Online Services and Privacy
Safeguarding your personal information when interacting with us via the Internet is extremely important. We apply the standards discussed above in caring for your personal information. When browsing our website, personal information such as your email address, is not collected. Some areas of our website require information, such as your email address or your account number to enable you to perform certain tasks. In these cases, we collect the information necessary to interact with you.

If 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. If you use our Online Banking or Bill Pay programs, you may receive additional cookies that contain your unique identifier, allowing you to view and manage your accounts. These cookies may be linked to personally identifiable information.

Edgartown National Bank has a transactional website available for its customers. If the customer has signed an authorization agreement to use Edgartown National Bank’s website for Internet banking services, the Bank will retain the customer’s user ID and password so that the Bank can recognize the customer as an authorized user of the website. When the customer engages in Internet banking transactions with the Bank on the website, the Bank maintains all information relating to the customer’s activities and transactions. The Bank uses a secure website, passcodes and special encryption technology to protect the customer’s information from interception by unauthorized third parties.

The Bank obtains e-mail addresses from our customers. The Bank does not share e-mail addresses with anyone. The Bank does not communicate with its customers about their specific banking transactions by e-mail. The Bank may from time to time respond by e-mail to inquiries from such customers about other matters but the Bank never discusses or includes nonpublic personal financial information in those responses. The Bank encourages its customers not to communicate any nonpublic personal financial information by e-mail to the Bank, as e-mail is not secure.

From time to time the Bank may send e-mail to its customers about new or additional Edgartown National Bank Internet banking products or services. If the customer does not want to receive this information from the Bank via e-mail, the customer may request at the time such e-mail is received by the customer that the Bank not send any more information by e-mail to the customer.

Please do not send confidential information such as social security or account numbers to us via regular email. In instances where email addresses are provided, they are provided for information inquiries of a non-sensitive and non-confidential nature.

Protecting Children Online
We will not knowingly collect, store, use or disclose information from children. We define children as persons under the age of 13.

We do not direct any portion of the website to children. We will not send any unsolicited promotions to users who indicate they are less than 13 years of age unless the solicitation is in connection with an account opened by an adult.

Actions You Can Take
You may request that Edgartown National Bank not contact you about direct marketing offers. Direct marketing offers from Edgartown National Bank may include information about new products and services being offered by the bank. If you choose not to hear from us, you may not receive offers about Edgartown National Bank products and services that may be of value to you.

Tell us your preferences.
You can tell us your preferences by:

• Calling us 508-627-1100
• Talking to a customer representative at any branch location.
• Sending your request in writing to:
  Edgartown National Bank
  P.O. Box 96
  Edgartown MA 02539

When you contact us, please be prepared to provide the following information for each individual:

• First name, middle initial and last name
• Address, city, state and zip code
• Social Security number
• Telephone number (if applicable)
• E-mail address (if applicable)

If any of these pieces of information change, please notify us to ensure that your preferences are consistently honored.

Once you have told us your preferences, we will continue to honor them. You do not need to take any further action.

Accuracy of Customer Information
Edgartown National Bank has established procedures to ensure that our customers’ financial information is accurate, current and complete in keeping with reasonable standards. We also pledge to respond to requests to correct inaccurate information in a timely manner. If you find that any information that we have on file or have reported to another party does not appear to be accurate, please write to us at: Edgartown National Bank, P.O. Box 96, Edgartown MA 02539.

Guarding Your Own Information
Edgartown National Bank recommends that you take the following precautions to guard against the disclosure and unauthorized use of your account and personal information:

• Never provide personal information (including full Social Security Numbers or account and credit card information) over the phone unless you have initiated the call and know with whom you are speaking.
• Safeguard ATM cards, credit cards and debit cards.
• Memorize PINs (personal identification numbers) and refrain from writing PINs, Social Security Numbers or credit card numbers where they can easily be found.
• Immediately change preassigned PINs to a personally memorized PIN.
• Do not use easily identifiable numbers such as birth dates, addresses, phone numbers or Social Security numbers when choosing your PIN.
• Store cancelled checks, new checks and account statements in a safe place.
• Tear up or shred unused preapproved credit offers.
• Report lost or stolen checks, and lost or stolen credit and debit cards immediately.

Reducing Direct Marketing From Other Companies
If you would like to reduce the amount of advertising you receive from companies outside Edgartown National Bank, you can contact the following agencies:

• Direct Marketing Association
  Mail Preference Service
  (for Mail Advertising)
  P.O. Box 643
  Carmel, NY 10512
• Telephone Preference Service
  (for Telephone Advertising)
  P.O. Box 1559
  Carmel, NY 10512

You may also reduce the amount of e-mail advertising you receive by removing your name from the list at www.dmaconsumers.org.

Credit Reporting Industry
If you would like to have your name taken off all preapproved credit solicitations (not just Edgartown National Bank solicitations), you may call the credit reporting industry Pre-screening Opt-Out number at 1-888-5OPTOUT (1-888-567-8688).

National Do Not Call Registry
Edgartown National Bank supports the National Do Not Call Registry. To have your phone number added to the National Do Not Call Registry, you may call 1-888-382-1222 or register at www.donotcall.gov. While this will stop most calls, you may still receive calls from businesses where you are a customer.

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