Windsor Federal Savings is committed to maintaining security and confidentiality in regards to your personal and financial affairs. We have created this policy statement in order to communicate to you the policies and practices that we have instituted to protect your privacy and provide appropriate security for the information that you have entrusted to us.

Web Site Privacy and Security

When you visit our web site to view any pages or read product information, you do so without telling us who you are and without revealing any personal identifying information. While we do not collect identifying information about visitors to our site, we do collect information for the purpose of tracking activity on our site. This allows us to better understand how many people use our site, which areas of our site are most popular and provides insight as to changes that will improve the functionality of the site. Our servers collect standard non-identifying information about visitors to the site, such as date and time you visited the site, your Internet service provider, the web site that referred you to us, if any and the page or pages that you requested. The Windsor Federal Savings web site contains links to community and other web sites that are not affiliated with the bank and are not third party vendors of the bank. While we provide the links to such external sites, we cannot assume responsibility for the privacy practices or content of such sites.

There are times when you may provide us with personal identifying information. For example, if you complete one of our feedback or request forms or send us an e-mail, you are transmitting the information that is requested in the form or that you choose to include in the e-mail message. However, you never transmit personal information that you do not enter yourself and therefore, this information cannot be collected unless you specifically elect to send it to us. Please do not send sensitive information through our information request forms or by e-mail as our request forms ARE NOT SECURE and e-mail transmissions through general or public e-mail are not secure.

Whenever we collect personal identifying information, it is used only for the purpose of fulfilling your request, responding to your comments or questions or to contact you directly. We do not give or sell your information to anyone and we protect the security and confidentiality of the information that we collect.

If you visit our website to use interactive banking tools such as financial calculators and self-tests you may be asked for personal information in order to complete the requested analysis or evaluation. This information is NOT retained.

If you identify yourself by sending an e-mail or filling forms such as applications, check reorder forms and contact forms you may be asked for personally-identifying information in order to process your e-mail, form or application. This information may be retained by us and our business partners for processing and to facilitate decisions. Information you submit to us is treated no differently than any information you might provide in a written format such as a brochure application, reorder slip to order checks, or a letter.

WinOnLine Privacy and Security:

Information transmitted to and from WinOnLine, our Internet banking and bill payment service is secure and is used only for the normal processing of your account(s). WinOnLine uses state-of-the-art encryption technology to ensure the security of your account information. Encryption is the method of encoding data so that only those who know the code can translate the data into understandable information. WinOnLine uses 128-bit encryption (the highest level that the internet browsers handle) to safeguard your account information. When you are sending information from your computer to WinOnLine, your browser translates the information into a mathematical code and it is the mathematical code that is actually transmitted to our system. Once the system receives this code, it retranslates it into information that can be used by the bank.

You must enter your User ID and Password at the start of every session in order to use the WinOnLine service. The password is assigned solely to you and you are responsible for keeping it confidential in order to prevent unauthorized access to your accounts and to prevent unauthorized use of the service. We recommend that you retain your User ID and Password in a secure location, separate from your computer and that you change your password frequently. In addition, do not leave your computer unattended while you are still logged on to WinOnLine.

WinOnLine e-mail is secure and therefore, you may send sensitive account or personal information through the WinOnLine site only. Please note however, that WinOnLine e-mail should only be used to address questions or inquires associated with the use of the Windsor Federal Savings Internet Banking and Bill Payment Service.

We protect and safeguard the privacy of users of our on-line services, just as we do throughout the rest of our business. We will use personal information to identify you, to communicate with you, and to help us answer your questions.

Windsor Federal Savings Privacy Policy

We collect personal information to open your account(s), process your transactions, make products and services available to you and to help us provide better customer service. We do not sell your information to anyone and we protect the security and confidentiality of the information that we collect.

We collect personal information from the following sources:

• Applications, forms and other information that you provide to us whether in writing, in person, by telephone, electronically or by any other means.

• Transactions that you process with us whether in person, by telephone, electronically or by any other means.

• Consumer reporting agencies that may disclose information about your credit history and creditworthiness.

• Public sources which include but are not limited to real estate records and telephone numbers.

We do not disclose any personal information about our customers or former customers to third parties, unless you have specifically asked or authorized us to do so or one of the following limited exceptions applies.

• We disclose personal information to companies that help us to process your transactions or service your accounts including for example, companies that produce and mail your account statements.

• We may disclose or report personal information in limited circumstances where we believe in good faith that disclosure is required or permitted by law, for example to cooperate with regulators or law enforcement authorities, resolve customer disputes, perform credit verifications or for institutional risk control.

We protect the confidentiality and security of personal information.

• Companies that we hire to provide banking or related services are not allowed to use your personal information for their own purposes and are contractually obligated to use your personal information only for the performance of the specific service that we have requested.

• We restrict employee access to your personal information to those with a business reason to know such information such as to offer or administer our products and services. All employees are trained on the importance of maintaining the confidentiality and security of personal information and are required to comply with all related policies and procedures.

• We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect against unauthorized access to your personal information.

We continually evaluate our efforts to maintain the privacy and security of personal information and we strive to maintain up to date and accurate information about you and your accounts.

• If you feel that our records contain inaccurate or incomplete information about you, please contact us. We will promptly investigate your concerns and update our records as appropriate.

If in the future, we find it necessary to change our information sharing practices in any way that differs from this policy statement, we will notify you in advance of any change in this policy.

At Windsor Federal Savings, maintaining your trust and confidence is our highest priority. We want you to understand how we collect and use information about you and the measures that we take to safeguard your personal information. Please do not hesitate to contact our Customer Service Department at (860) 688-8511 or the branch manager at any of our five branch office locations if you have questions related to our Privacy and Security Statement.