At Naugatuck Savings Bank, we value your business and the trust you placed in us to protect personal information about you and your finances. We understand that our customers furnish private information to us and our affiliates in the course of daily business. Knowing that our customers expect privacy and security for their personal and financial affairs, we are committed to treating such information responsibly.

We have established safeguards designed to keep information provided to us private and confidential. When we do use information, it is to help us identify affordable products and services that might serve you better.

This notice describes the privacy practices of Naugatuck Savings Bank and its family of affiliated companies: Nutmeg Financial, MHC., John M. Sutherland, Inc., Castle Bank & Trust Company, and NSB Mortgage Corp. It outlines our practices regarding personally identifiable financial information (or “nonpublic personal information”) for current and former customers.

The Information We Collect

In order to provide you with financial products and services, we collect nonpublic personal information about you from several sources, including the following:

• Information we receive from you on applications or other forms
• Information about your transactions with us, our affiliates, or others
• Information we receive from a consumer reporting agency

The Information We Disclose

In order to improve service to our customers, we may share information about current or former customers within our family of affiliated businesses. By sharing this information, we can promote efficiencies and reduce costs to our customers. The types of information that we may share among our affiliates include the following:

• Identification information, such as name, address and telephone number
• Transactional information
• Deposit or loan experience
• Information we receive from you on applications and other forms
• Information we receive from a consumer reporting agency

Examples of the types of businesses we are or may become affiliated with are listed below:

• Insurance Companies
• Brokerage Companies
• Other Banks
• Mortgage Companies
• Financial Service Providers

You may direct us not to disclose information that does not relate solely to our experiences or transactions with you or your account (such as the application information and credit bureau information) to our affiliates. In order to do so, you must mail a written request, with your name, address, taxpayer identification number, and account number to: Customer Information Officer, Naugatuck Savings Bank, P.O. Box 370, Naugatuck, CT 06770 or call us at 203.729.4442 or toll-free at 1.877.729.4442. We will honor your choice on restricting information sharing.

Information We May Share With Non-affiliated Companies

Naugatuck Savings Bank does not disclose nonpublic personal information to any non-affiliated third parties, except as permitted by law.

The Bank may share certain information with carefully selected, trusted business partners for promotional or marketing purposes under strict confidentiality agreements. In the normal course of business, we may disclose all of the information that we collect as previously described, on our customers and former customers, to companies that perform marketing services for us or to other financial institutions with whom we have joint marketing arrangements. Examples of these companies are:

• Financial institutions with which we have joint marketing arrangements, such as insurance companies, broker-dealer, insurance agencies and others.
• Companies that provide marketing services for us, such as bulk mailing companies, direct marketing companies, market research firms and marketing consultants.

In these cases, the Bank will enter into an agreement with the third party that will require the third party to maintain confidentiality of the information in the same manner the Bank would and to restrict its use.

The Bank will not provide your personal information to non-financial companies for the purpose of their independent telemarketing or direct mail marketing of any non-financial products or services.

We may provide information to companies that perform services for us in connection with your accounts, such as data processing and software companies and collection agencies.

Other Exceptions

Other examples of when we disclose customer information outside of our family of affiliated businesses:

• To consumer reporting agencies.
• For fraud, security or risk control.
• To help complete a transaction that you initiate, including information requested to verify the existence or condition of an account.
• To resolve disputes or inquiries you may have about your accounts.
• When you consent or direct us to provide information about your accounts. This may be oral, in writing, by telephone, electronic or other means as we recognize.
• When disclosure is required by law, such as pursuant to a court order, subpoena, legal process or government agency examination or investigation, or to protect or enforce our rights.
• As otherwise necessary to service your account, or as permitted or required by law.

The Protection of Information

Naugatuck Savings Bank has established physical, electronic and procedural safeguards to prevent the unauthorized access of information by persons outside the Bank in compliance with federal standards. These safeguards are tested and maintained by Bank personnel in accordance with the Bank's policies and procedures. Employees are trained as to the importance of maintaining privacy when dealing with your information. Employees are restricted from accessing your personal information unless the position of the employee warrants a need for the information.

The Bank also has procedures in place for maintaining complete and accurate information. All information is corrected immediately upon notification.

This notice is a summary of our policies and procedures and does not constitute a contract. We reserve the right to revise the policies and procedures described in this Notice, as allowed by law. If you have any questions regarding the Naugatuck Savings Bank Privacy Policy, call us at 203.729.4442 or toll-free 1.877.729.4442, stop by any branch location or visit our website at www.naugatucksavingsbank.com.