Kennebunk Savings

Kennebunk Savings recognizes and respects the privacy expectations of our customers and makes the safekeeping of customer information a priority. We maintain physical, electronic, and procedural safeguards that comply with Federal standards to guard your nonpublic personal information, and we have adopted the following principles to ensure the safekeeping of information entrusted to us.

Information Management: Kennebunk Savings limits the use, collection, and retention of customer information to what it believes necessary or useful to conduct business, provide quality service, and offer products, services, and other opportunities that may be of interest to our customers.

Information collection and retention

We collect and retain nonpublic personal information about you from information we receive from you online or written applications or other forms; from information through your transactions with us, our affiliates or others; and from information we receive from a consumer reporting agency during a normal business transaction.

Information from young children

We do not knowingly market to or solicit information online from children under 13 without parental consent. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.

Disclosure of Customer Information

Kennebunk Savings does not disclose any nonpublic personal information about customers' or former customers' accounts or other personally identified data to unaffiliated third parties for their independent use, unless the information is provided: (1) To assist us in marketing and providing products and services to our customers in the normal course of our business; (2) At the request or with the permission of the customer; or (3) When the disclosure is permitted by law or required by law enforcement or regulatory agencies.

We may report information about your accounts to consumer reporting agencies. Late payments or other defaults on your accounts may be reflected in your credit report. If you have questions about information reported by Kennebunk Savings, please contact the consumer reporting agency or Kennebunk Savings, in writing, at the following address: Loan Servicing, Kennebunk Savings, PO Box 28, Kennebunk, ME 04043.

We may also disclose certain limited information to an affiliate based on your relationship and transactions with us. This information may include your name, address and facts about your transactions, like account history and deposit account activity. We will not disclose any other customer information to an affiliate that we may have from other sources, for example information we receive from a consumer reporting agency. Federal law gives you the right to limit some but not all direct marketing from our affiliates. It also requires us to notify you about your choice to limit certain direct marketing offers from affiliates.

To learn more about Kennebunk Savings Privacy practices, read our Privacy Notice

If Kennebunk Savings provides identifiable customer information to a third party with which we have a business relationship, we insist that the third party adhere to strict privacy guidelines that provide for keeping any such information confidential.

Maintenance of Accurate Customer Information: Kennebunk Savings has established procedures to maintain the accuracy of customer information and to keep such information current and complete. These procedures include promptly responding to requests to correct inaccurate information.

Limiting Employee Access to Information: Kennebunk Savings restricts employee access to nonpublic personal information about you to those with a business reason for knowing such information. Employees are educated on the importance of maintaining the confidentiality of customer information and our privacy policy. Because of the importance of this issue, all Kennebunk Savings employees are responsible for maintaining the confidentiality of customer information and employees who violate this privacy policy are subject to disciplinary measures including termination.

Website Policies: Kennebunk Savings automatically collects and stores the following information about you when you visit our website:

• The date and time the request was received.
• Your Internet Protocol (IP) address, or the proxy address of your Internet Service Provider.
• The name and IP address of Kennebunk Savings server that received and logged the request.
• The resource on a Kennebunk Savings server accessed as a result of the request, such as the web page, image, and so on.
• The name and version of your Web browser (e.g. Internet Explorer 8.0).
• The content of any sent or received cookie.
• Our home page includes a small program to collect information on the screen resolution setting of your PC (e.g. 800 x 600, 1280 x 1024, etc.). This information will be used to adjust our design standards so the pages we produce will be as readable as possible on your computer display.

Some parts of Kennebunk Savings website may use a "cookie," which is a file placed on your computer hard drive that allows our web server to log the pages you use in Kennebunk Savings site and to determine if you have visited the site before. The cookie captures no personally identifying information. Kennebunk Savings' server uses this information to provide certain features during your visit to the website. You can set your browser to warn you when placement of a cookie is requested, and decide whether or not to accept it. By rejecting a cookie some of the features available on the site may not function properly.

Other than the automatic data collection described above, this site collects no personally identifying information. The sole exception is when you knowingly and voluntarily provide information, such as when you fill in your name and address on a request form. You may decide to send Kennebunk Savings information, including personally identifying information. The information you supply—whether through a secure Web form, a standard Web form, or by sending an electronic mail message—is maintained by Kennebunk Savings for the purpose of processing your request or inquiry.

Kennebunk Savings uses the information we collect for internal system administrative purposes to measure the volume of requests for specific website pages, and to continually improve the Site to be responsive to the needs of users. Your choice to use the Site or to send email to us will be considered your consent for Kennebunk Savings to use the information collected as stated.

When you choose to send e-mail to Kennebunk Savings you are consenting to Kennebunk Savings using the information provided therein, including personally identifying information, in accordance with this notice, unless you expressly state in the e-mail your objection to any use(s).

Internet Banking Privacy: Kennebunk Savings understands how important it is to protect privacy of our on-line customers. Our goal is to protect your personal information on the Internet in the same way that we protect all other ways we interact with you—in banking offices, at ATMs and over the phone. Kennebunk Savings will have access to your information when you apply for or use any of our on-line products or services. The information is retained on our system in order to provide services requested.

Customer Inquiries: Kennebunk Savings values your relationship. We want you to understand how we use the information you provide and our commitment to ensure your personal privacy. If you have any questions about our privacy policy or the privacy of your information, you should call Customer Care at 1-800-339-6573.

This privacy policy applies to individuals. This policy is for general guidance and does not modify or amend any agreements we have with our customers.

Customer Identification Program

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

When you open an account, we will ask for your name, address, date of birth, tax identification number—either Social Security Number (SSN) or Employer Identification Number (EIN), and other information that will allow us to identify you. We may ask to see your driver's license or other identifying documents.

For the purpose of this regulation an "account" includes every formal banking relationship that entails ongoing services or transactions. Some examples of "accounts" are checking or savings accounts, loans, or safe deposit box rentals.

If you request to open an account or become a signer on an account and we have not previously verified your identity under these new regulatory requirements, we will request "documentary verification" of your identity. "Documentary Verification" forms include a driver's license, passport, or green card. Other non-documentary methods may be used if they verify your identity and meet federal regulations.

Kennebunk Savings may retain an image of the documents it relied upon to verify your identity.

Rev 08/09

Security Policy

Kennebunk Savings is committed to protecting and securing customer information. All of your transactions are encrypted and protected with firewalls that act as barriers between the Internet and Kennebunk Savings Bank's internal systems. We highly recommend that you use the latest version of your Microsoft Internet Explorer or other popular browser and make certain that your encryption is at 128 bits or higher. Click here to check your browser security level.

Your e-mails to Kennebunk Savings are secure when you use our secure email form. Otherwise, if you send us e-mail without using our secure form, please be aware that you are sending an unsecured message that may be intercepted by a third party. Therefore, we ask that you do not include any account information or personal data in your unsecured email.

All of our secured on-line banking services utilize current digital certificates provided by Verisign^®. This is your assurance that our web sites have been authenticated by VeriSign and that your confidential transactions are secured by SSL encryption. You can generally identify a secured site through the closed lock icon () displayed in your web browser.

To view Kennebunk Savings Bank's Internet Banking Agreement, click here.