At Reading Co-operative Bank, we value each and every customer relationship. Customers such as you have entrusted us not only with your finances, but also with your personal information. To protect and maintain this relationship, we have enacted the following Principles of Privacy to maintain the confidentiality of the information you have shared with us.

1. We Recognize Your Rights to Privacy

At Reading Co-operative Bank, we recognize that you have a right to expect your personal financial information to remain private and secure. We maintain physical electronic and procedural safeguards that comply with federal standards to protect your nonpublic personal information.

2. How We Use, Collect, And Retain Information About You

Your relationship is important to us; we're committed to providing you with the best service possible. To do that, we gather information from a variety of sources to keep you informed about the many financial services, products, and benefits available to you as a Reading Co-operative Bank customer - and to provide you the ability to manage your finances effectively.

For example, we collect information from the following sources:

 - Information we received from you on applications or other forms;
 - Information about your transactions with us or others; and
 - Information we receive from a consumer-reporting agency.

If you end your customer relationship with us or become an inactive customer, we will treat the information we have about you as if you were still our customer.

3. We Will Maintain Accurate Information About You

Reading Co-operative Bank has established procedures to' ensure that your information is accurate, current and complete, in keeping with reasonable commercial standards.

If you believe that any information collected or furnished by Reading Co-operative Bank is inaccurate, please call us at (781) 942-5000 or email from our website readingcoop.com. We will investigate the problem and take appropriate action in a timely manner.

4. We Will Limit Employee Access to Your Information

At Reading Co-operative Bank, access to your personal informa­tion is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information and on these Privacy Principles.

Because of the importance of these issues, all Reading Co­operative Bank employees are responsible for maintaining the confidentiality of customer information and employees who violate these Privacy Principles will be subject to disciplinary action.

 5. Restrictions on Disclosing Your Personal Information

We pledge not to reveal specific information about your accounts, or other information that will personally identify you to those outside Reading Co-operative Bank for their use, unless

- The information is necessary to complete a transaction, which you request.

- The disclosure is permitted or required by law.

- The disclosure is to companies that perform marketing services on our behalf.

6. Disclosing Our Privacy Commitment to You

At Reading Co-operative Bank, we value our customer relation­ships. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how Reading Co­operative Bank protects your confidential information, please contact us at (781) 942-5000.

READING CO-OPERATIVE BANK

180 HAVEN STREET

READING, MASSACHUSETTS 01867

Business Hours:

Monday, Tuesday, Wednesday, Friday - 8:30 A.M. to 4:00 P.M. Thursday - 8:30 A.M. to 7:00 P.M. Saturday - 9:00 A.M. to 12:00 P.M. Phone: 781-942-5000 Connecting All Offices

MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

Our Web Site...

Visitors to the Reading Co-operative Bank web site remain anonymous. We do NOT collect identifying information about visitors to our site. We may use standard software to collect generic information about our visitors, such as:

• Date and time our site was accessed
• IP address
• Browser
• City, state, and country

Reading Co-operative Bank uses this information to create summary statistics and determine the level of interest in the information and products displayed on our site.

Visitors may elect to contact us with non-personal information via email contact forms. This information is used internally to handle the sender's request. It is not distributed or sold to other organizations.