Elmira Savings Bank, FSB and its affiliate and wholly-owned subsidiary, ESB Advisory Services, Inc., (hereby referred to as "The Bank") realize how important your financial privacy is to you and ensure proper use and protection of that information. Information about our customers and applicants is only used to administer the bank's business, to provide products and services to its customers, and as required or permitted by law. The following information outlines how Elmira Savings Bank uses and protects your personal information:

• The Bank collects nonpublic personal information about you from the applications or other forms that you file with us, information about your transactions with us, and information we receive from a consumer reporting agency.
  
  
• The Bank strives to maintain customer information that is accurate, and encourages customers to communicate with us if the customer is aware of inaccurate information.
  
  
• The Bank restricts access to your nonpublic personal information to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
  
  
• The Bank has no intention of selling or providing non-public, personal customer information to third parties for their own marketing purposes. The Bank will share specific information about its customers and former customers with nonaffiliated third parties under the following circumstances: (1) to comply with applicable laws and regulations; (2) to protect against fraud; (3) to complete banking-related transactions customers request; (4) to provide products and services for its customers; (5) to verify the status of your account for certain third parties such as credit bureaus or merchants;.
  
  
• The Bank may disclose any or all of the information we collect, as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. Such agreements will require that those companies maintain the confidentiality of that information and use it only for the purpose intended.

• These protections are in addition to your rights under the Fair Credit Reporting Act regarding the disclosure of information to unaffiliated third parties related to the lending process, such as credit reporting agencies.
  

SInce its inception, The Bank will continue to protect the non-public, personal information of its customers. We appreciate the opportunity to present our commitment to your privacy. Any questions you have may be directed to the Privacy Policy Coordinator at 333 E. Water Street in Elmira, NY 14901 or (607) 734-3374.