Dean Bank is a mutual thrift institution and as such is owned by its depositors and run by an elected Board of Directors. You can be confident that your financial privacy is a top priority of this financial institution.
Please remember that Dean, your bank, DOES NOT SELL information about you to anyone.
If after reading this disclosure, you have any questions, please contact one of our customer service representatives at 1-508-528-0088.

Protecting Your Privacy
Definitions
Before discussing what information we may share with other entities, we will define some terms:
• We, our, and us mean Dean Bank.
• Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
• An affiliate would be a company we own or control. At this time, there are no companies that fit into this category.
• A nonaffiliated third party is a company that is not an affiliate of ours.

Limitations on Disclosure
While we may disclose nonpublic information which we collect (as described below), this information is limited to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements.
To protect our customers’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide.
We do not permit these companies to sell to other third parties the information we provide to them.

Why We Disclose Information
We are committed to providing you with competitive products and services to meet your financial needs. This commitment means that we may have to share information about you with companies that provide either services to us or additional financial products for you to consider.
We may also disclose information we collect about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our bank, follow your instructions as you authorize, or protect the security of our financial records.

Information We Collect About You
We collect and may disclose nonpublic personal information about you from the following sources:
• Information we receive from you on applications and other forms;
• Information about your transactions with us or others;
• Information we receive from a consumer reporting agency;
• Information obtained when verifying the information you provide on an application or other form when conducting financial transactions.

If you terminate your relationship with Dean Bank, we will not share information we have collected about you, except as permitted or required by law.

How We Protect Your Information
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data.
Our employees are trained in the importance of maintaining confidentiality and customer privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

Fair and Accurate Credit Transactions Act (FACT Act)
On December 4, 2003, the Fair and Accurate Credit Transactions Act of 2003 (FACT Act) was signed into law. This law ensures that all citizens are treated fairly when they apply for a mortgage or other form of credit.
This legislation provides consumers, companies, consumer reporting agencies and regulators with important new tools that:
• Expand access to credit and other financial services for all Americans,
• Enhance the accuracy of consumers’ financial information, and
• Help fight identity theft.

These reforms make permanent the uniform national standards, and institute new, strong consumer protection.

At Dean Bank, our first priority is to protect you and your account relationship with us. Please be assured that your account information will be given the highest level of confidentiality. With that stated, Dean Bank may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Protect Your Privacy!
Dean Bank is committed to protecting the privacy of its customers. You can help by following these simple guidelines:
• Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit card, as this can provide free access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, claiming the call is on behalf of the bank, and asks you for your account number, you should be wary. Official bank staff will have access to your information and will not need to ask for it.
• Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity on your account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

Protect Your Identity
• Tear up unused credit offers and other documents containing personal information before discarding them.
• Guard your social security number.
• Don't release information to people you do not know, especially over the phone or Internet.
• Review bank statements for accuracy.
• If you are denied credit for no apparent reason, obtain a copy of your credit report.

You are entitled to one free annual report from each credit bureau. Obtain a free credit report from each of the three credit bureaus at www.annualcreditreport.com. Carefully review your report for indications of fraud.

If You Become a Victim
• Contact the bank and all others with whom you have a financial relationship.
• File a police report if you have had a loss.
• Report the fraud to the major credit bureaus:
Equifax 1-800-525-6285
Experian 1-888-397-3742
Trans Union 1-800-680-7289

For additional help, call the Federal Trade Commission at 1-877-ID-THEFT or visit their web site at: http://www.consumer.gov/idtheft/

We thank you for your cooperation, and if you have any questions, please contact Dean Bank at (508) 528-0088.
Numbers You Should Know
PhoneLink – Telephone Banking: 1-877-541-3326
Lost/Stolen Debit or ATM Card:

U.S. Calls 1-800-528-2273
International Calls 1-812-647-9794
or email FTPSLS@cmcone.com

Tell us…What do you see?
For more information on any of our products and services, to provide us with your comments or feedback, or simply to tell us about your own dreams and visions so that we can help you get there, please use our information request form, or call any of our offices.