At Lowell Five Bank, 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 responsible. 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 your customer information is one of our fundamental responsibilities and that your trust is one of our most important assets. Thus, the safekeeping of your customer information is a priority at The Lowell Five.

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 information helps explain these concepts in more detail.

Information We Collect

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

• Information we received from you on applications and other forms (such as your name, address, social security number, assets, and income);

• Information about your transaction with us or others, 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.

This information we collect is called nonpublic personal information.

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 service, to companies that market services on our behalf, or to other financial institutions with whom we have joint marketing agreements.

When the Bank conducts business with service providers and suppliers, we require these entities to maintain standards to protect the privacy of customer information that is provided to them.

Protection and Confidentiality of Information

The Lowell Five is committed to the security of your information. We restrict access to customer information form 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 your, please notify us. We will investigate your concerns and correct any inaccuracies as quickly as possible.

Internet Privacy

Visitors to our Web site remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:

• Date and time our site was accessed

• IP address (A numeric address given to servers connected to the Internet)

• Web browser used

The Bank may use this information to create summary statistics and to determine the level of interest in information available on our site.

Visitors to our site may elect to provide us with personal information via E-mail or online registration forms. This information is used internally, as appropriate, to process the sender’s request. It will not be disseminated or sold to other organizations.

Some areas of our web site may use a "cookie" temporarily stored in the visitor’s computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited before.

Please be aware that our Privacy Policy only applies while you at The Lowell Five’s Website, and does not apply if you leave our web site by following any links we may have provided for your convenience.

Inquiries

The Lowell Five recognizes and respects the privacy expectations of your 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 (978) 452-1300, or e-mail us at info@lowellfive.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:

Mail Preference Service

c/o Direct Marketing Association
P.O. Box 9008
Farmington, NY 11735-9008


Telephone Preference Service

c/o Direct Marketing Association
P.O. Box 9014
Farmington, NY 11735-9014

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.

Experian

Consumer Opt-Out
P.O. Box 919
Allen, TX 75013

Equifax, Inc.

Options
P.O. Box 740123
Atlanta, GA 30374-0123

Trans Union Corporation

Name Removal Option
P.O. Box 97328
Jackson, MS 39288-7328