At Dedham Savings, our mission is to meet the financial desires and needs of our customers. As professionals entrusted with sensitive personal and financial information, we respect the privacy of our customers and are committed to treating customer information responsibly. Our Privacy policy serves as a standard for all our employees regarding the collection, use, retention, and security of your information.

We believe the confidentiality and protection of customer information is one of our fundamental responsibilities and that your trust is one of our most important assets. Thus, the safekeeping of customer information is a priority for Dedham Savings.

We collect, use, and retain information about you only where we reasonably believe that it will help administer our business or provide products, services, and other opportunities to you. We collect and retain information about you only for specific business purposes. We use information to administer your records, accounts, and funds; to comply with certain laws and regulations; to protect your accounts from fraud and misuse; and to understand your financial needs so that we can provide you with quality products and superior service. The following principals explain these concepts in more detail.

Information We Collect
We collect personal and financial information about you from the following sources:

• Information we receive from you on applications and other forms (such as your name, address, social security number, assets, and income);
• Information about your transactions with us (such as your account balance, payment history, and parties to transactions); and
• Information we receive from a consumer-reporting agency (such as your credit history and creditworthiness.)
  
  Information We Disclose
  We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. We may disclose all of the information we collect, as described above, to nonaffiliated third parties that perform administrative, processing and other account services, to companies that market financial products and services on our behalf, and as otherwise required or permitted by law.
  
  Protection and Confidentiality of Information
  Dedham Savings is committed to the security of your information. We restrict access to customer information to those employees who need to know that information in order to provide products and services to you. All of our operational and data processing systems are located in secure environments that protect your information from being accessed by unauthorized third parties. We maintain physical, electronic, and procedural safeguards that comply with regulatory standards to protect your information.
  
  Maintenance of Account Information
  We continually strive to maintain complete and accurate information about you and your accounts. If you believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies as quickly as possible.
  
  Limitations on Employee Access
  Access to customer information is limited to employees with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information. All bank employees are responsible for maintaining the confidentiality of customer information and employees who violate these principles are subject to disciplinary action.
  
  Disclosure of Information
  It is the bank's policy not to reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use. Information may be shared with reputable information reporting agencies to maximize the accuracy and security of such information, or in the performance of bona fida corporate due diligence or business matters. Information may be disclosed to facilitate or complete a customer-initiated transaction; if the customer requests or permits it; or the disclosure is required or allowed by law.
  
  Business Relationships with Third Parties
  When the bank conducts business with its vendors and suppliers, we require those vendors to maintain similar standards of conduct regarding the privacy of customer information provided to them.

Inquiries
Dedham Savings recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. Customers who have questions about this policy or have a question about the privacy of their customer information should visit their local branch, call the bank at (800) 462-1190, or e-mail us at yourlink@dedhamsavings.com.

What You Can Do
You can help us protect your privacy by following these simple suggestions:

• Never give out your social Security Number or personal credit information over the telephone unless you initiate the call.
• Tear up or shred ATM receipts, bank statements, and unused credit card offers.
• Keep track of your mail. If a statement, check or bill is missing, notify the bank immediately.
• Review your monthly statements for unauthorized activity.
• Keep your PIN and other passwords secure and change them periodically.
  
  If you would like to reduce the amount of advertising you receive from other companies, you can write to the following agencies:
  
  

Include the name, address and telephone number you would like excluded from these lists.

To have your name taken off all pre-approved credit solicitations, write to the following credit reporting agencies. Include your name, address and Social Security Number.

Questions regarding this policy statement should be directed to :
Mark McKinnon
Senior Vice President
Dedham Institution for Savings
55 Elm Street
Dedham, MA. 02026
You may also contact Mr. McKinnon via e-mail at : markmck@dedhamsavings.com