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.

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 and income
• Account balances and transaction history
• Credit history and overdraft history

When you are no longer our customer, we continue to share your information as described
in this notice.

All financial companies need to share customers’ personal information to run their everyday
business. In the section below, we list the reasons financial companies can share their
customers’ personal information; the reasons Essex Savings Bank chooses to share;
and whether you can limit this sharing.

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 collect your personal information, for example, when you

• open an account or pay your bills
• apply for a loan or provide account information
• make deposits to or withdrawlals from your account

We also collect your personal information from others, such
as credit bereaus, affiliates or other companies.

Federal law gives you the right to limit only

• sharing for affilates’ 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.

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

• Our subsidiary, Essex Financial Services, Inc.

Companies NOT related by common ownership or control.
They can be financial and nonfinancial companies.

• Essex Savings Bank does not share with nonaffiliates

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

• Essex Savings Bank does not jointly market

As an organization that collects Social Security numbers in the normal course of buiness, Essex Savings
Bank is committed to protecting the confidentiality of Social Security numbers and other information
capable of being associated with a particular individual (“personal information”). To meet this
commitment, we have implemented policies and procedures which are designed to:

1. protect the confidentiality of Social Security numbers,
2. prohibit unlawful disclosure of Social Security numbers, and
3. limit access to Social Security numbers.