Privacy Policy Mutual Savings Association, FSA

What is our commitment to you?

Mutual Savings Association respects and is committed to protecting your privacy. We know how important it is to you that we safeguard the privacy of your personal information. The following describes our Privacy Policy. Please take a moment to review it and feel free to contact us with any questions. We are not changing how we do business with our clients. We continue to be committed to protecting your privacy.

What types of information do we collect?

We collect non-public personal information about you from the following sources:

· Applications or other forms we receive from you.

· Your transactions with us, our affiliates, or others.

· Consumer reporting agencies.

What information do we disclose?

We will only disclose non-public personal information about you to non-affiliated third parties as permitted by law and under the following circumstances.

¨ Joint Marketing Purposes:

We may disclose the following information to insurance companies or other entities that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:

· Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income.

· Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, and parties to transactions.

We require the companies to contractually agree to adhere to our security and privacy guidelines.

We do not share information with non-affiliated third parties for any other reasons than those stated above.

What is our policy on sharing information with our corporate family members?

We may disclose the following information to our affiliate FSI:

Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income.
Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, and parties to transactions.

What is our policy relating to former clients?

If you decide to close your account(s) or become an inactive client, we will adhere to the privacy policies and practices described in this notice.

How do we protect the confidentiality and security of your non-public personal information?

We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect your non-public personal information.

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