A MESSAGE FROM EQUITABLE COOPERATIVE
BANK PRESIDENT ARTHUR HORGAN
The management and staff of the Equitable Co-operative Bank respect the privacy of our
customers. You have chosen to do business with us, and we recognize our obligation to keep
the information you provide us secure and confidential.
Our commitment to protect your financial information will continue under the principles
and guidelines described in this notice.
Importance of Privacy and Our Customers
We understand your desire for privacy. We value your trust and handle your information
with care. The confidentiality of your nonpublic information is important to us as we
recognize that you do business with us based upon your trust and we will honor that trust.
Our customers are those that have deposit accounts, loans or other financial products and
services we provide.
The Information We Collect
We collect non-public 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 we receive from a consumer reporting agency.
What We Do With Your Information
We use the information that we collect to better serve you in the areas of fraud prevention,
improved services, and compliance with the laws.
Our employees have restricted access to nonpublic information about you and only use it
when needed to maintain your accounts or to provide services to you.
We protect your information with a combination of physical, electronic, and procedural
safeguards that comply with federal standards.
What We DONÕT Do
We do NOT disclose any non-public personal nformation about you to anyone, except
as permitted by law.
We do NOT use, retain, or disclose any personal medical information about you for
marketing purposes or to make credit decisions.
When We Work With Third Parties
When we work with third parties such as insurance agencies, investment advisors and other
similar companies, they are subject to the same standards as our Directors, managers,and
employees, and are required to sign confidentiality agreements.
We may disclose all of the information we collect, as described above, to companies that
perform marketing services on our behalf or to other financial institutions with whom we have
joint marketing agreements.
Our Commitment to You
At your request, before we collect any information about you, we will tell you
how we intend to use it.
We guard this information through the implementation of strict controls and the
use of secure technology.
We restrict access to your nonpublic personal information to those employees
who need to know that information for us to provide banking products and services.
Our Board of Directors, management, and employees are trained in confidentiality
and we have established procedures to protect your information.
We will provide you with an annual notice of our policy.
If you decide to close your account, we still adhere to our privacy policy and practices.
WeÕve earned your trust and we want to keep it. You should expect nothing less from the
Equitable Co-operative Bank.
Protecting Your Privacy,
Arthur M. Horgan
President /
Equitable Co-operative Bank
Privacy, Security & You
Protect Your Privacy?
You, too, can take steps to secure your personal
information by following these tips:
Never give out your Social Security number or personal credit information over the phone
unless you initiate the call.
Tear up or shred receipts, bank statements,and unused credit card offers.
Keep track of your mail. If a statement, check or bill is missing, someone may have
changed your billing address. DonÕt mail bills from your own mailbox. Drop them in a mailbox
or at the post office.
Review your credit report annually, and report and correct mistakes.
Make sure you do business with reputable companies, especially on the internet.
Use virus detection software.
Protect your PINs and passwords. Change them often. Use a combination of letters
and numbers.
Report any suspected fraud to us immediately, and notify the fraud division of the
three major credit bureaus:
Trans Union 800-916-8800
Experian 800-301-7195
Equifax 800-525-62855
