Arundel Federal Savings Bank respects the financial privacy of our customers and of consumers that inquire about our products and services. We strive to comply with all laws and regulations designed to secure that privacy. Customer and consumer relationships are important to us and, as such, we will keep any information about our customers and those consumers that inquire about our products and services, in strictest confidence.

Definitions

We, our, and us, when used in this notice mean Arundel Federal Savings Bank.

When we use the words “you” and “your” we mean:

• all consumers inquiring about our products and services
• all customers who have a continuing relationship with us such as:
  • Deposit accounts
  • Loan accounts
  • Safe deposit box

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control or a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.

The Information That We Collect

We collect 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 about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency
• Information We Disclose About You

We do not disclose any nonpublic personal information about you to anyone except as permitted by law. However, as permitted by law, information about you is often shared with nonaffiliated third parties that work for us as our agent. These nonaffiliated third parties assist us in completing transactions on your behalf and in providing products and services such as data processing, check clearing, check printing, mortgage insurance and mailing statements, to name a few. Our contracts with these nonaffiliated third parties and service providers require they maintain the confidentiality of your information.

The Confidentiality, Security, and Integrity of Your Nonpublic Personal Information

We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We will never request nonpublic personal information such as access codes or personal identification numbers (PIN). We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Nonpublic Personal Information and Former Customers

We do not disclose nonpublic personal information about former customers except as required by law.