Privacy Policy At RSI Bancorp (which currently includes such companies as RSI Bank and the RSI Insurance Agency) trust has always formed the basis of each of our customer relationships. We appreciate your having chosen us for your financial service needs and are dedicated to maintaining that relationship with great care. Protecting the privacy and confidentiality of your personal information is important to our employees and to us. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals, which is why we collect, maintain, and use information about you on a routine basis. Information About You As part of providing you with any financial product or service, we collect certain nonpublic personal information (see “Information We Share” for examples) about you from such sources as: Applications (i.e. loan applications, insurance applications, etc.) or other forms we receive from you whether in writing, in person, by telephone, electronically, or by any other means; Information about your transactions with us, our affiliates (companies related to us by common control or ownership), or others; Information received from a third party such as a consumer reporting agency; and Information received from public sources such as real estate records For information we collect on this website, please see our “Internet Privacy Practices” section below. Information We Share We may disclose nonpublic personal information about you with our affiliates and certain nonaffiliated third parties. Any nonpublic personal information shared is done so in strict adherence to applicable law. Such nonpublic personal information includes: 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 credit/debit card usage; and Information we receive from a consumer-reporting agency such as your creditworthiness and credit history. The following are types of affiliated and nonaffiliated third parties to whom we may disclose nonpublic personal information: Financial Service Providers such as mortgage bankers, securities broker-dealers, and insurance agents; Non-financial companies such as retailers and direct marketers; and Others such as non-profit organizations. We are required or we may provide nonpublic personal information about you to nonaffiliated third parties without your consent, as permitted by law, such as: To assist us in servicing your account with us (including computer service providers, billing service providers, insurers, loan settlement providers, property inspection companies, attorneys, or other professionals); To respond to a subpoena or court order, judicial process or regulatory authority; To credit bureaus; To protect against fraud. To provide our customers with products and services that we believe may meet your financial needs, we may share limited nonpublic personal information (described under this “Information We Share” section), about you to nonaffiliated firms that conduct marketing services on our behalf, or with financial institution partners to offer jointly endorsed products or services. If you decide to close your account(s) or if you become an inactive customer, we will continue to adhere to the privacy policies and practices as described in this notice. Giving You the Power to Choose If you prefer that we not share nonpublic personal information about you with nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than those permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties, you may call our toll free number at 1-800-490-2639 or e-mail us at info@RSIbanking.com. Your opt out direction will remain in effect until you notify us in writing at 1500 Irving Street, Rahway, New Jersey, 07065. Joint Relationships If two or more customers jointly obtain a product or service from us, a request by one party to opt out of information sharing to nonaffiliated third parties will be treated as applying to the entire account. Multiple Relationships RSI Bancorp offers many products and services which will help you meet your financial goals. If you have two or more accounts with us (i.e. - loans, deposit, or insurance) a request to opt out of information sharing to nonaffiliated third parties will apply to all your account relationships with us. Our Security Procedures We understand that the protection of your nonpublic personal information is of utmost importance and guarding your privacy is our obligation. Therefore, we maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information. We restrict access to nonpublic personal information about you to those employees who need to know the information in order to provide products and services to you and we educate our employees about the importance of confidentiality and customer privacy. In order to provide you with the products and services needed to help you reach your financial goals, we select service companies to assist us in performing our business operations and providing services (ex. check ordering). We are very selective in choosing these companies and limit the information we provide them to that which is necessary to provide the service required. We also require these companies to comply with strict standards of security and confidentiality designed to protect our customers’ privacy. Internet Privacy Practices At RSI Bancorp, protecting the confidentiality of the information provided to us by our customers and website visitors is our priority. The following describes additional measures which we employ to protect your online privacy. What We Collect and How We Use It There are two ways information is collected from you during an online visit: information you voluntarily provide to us and information that is automatically collected. We use this information to respond to your needs and requests as well as improve, customize and personalize your online experience. Examples of how we collect this information is outlined below. Online Banking: When you use any of our online services or apply for products and services online, we will have access to your information. In order to provide you with the services you have requested, we will retain this information on our systems and use it in accordance with our Privacy Policy outlined above. E-mail Addresses: When you communicate with us via e-mail or when you complete one of our forms, we will retain the content of the e-mail or form, the e-mail address and our response. This allows us to maintain an audit trail of our response. We may also let you know by e-mail about products and services which may be of interest to you unless you request us not to. You may request us not to when you access our website. Cookies: a “cookie” is a small piece of information sent by our server and stored on the user’s Internet browser. When you return to our website later, the “cookie” is transmitted back to the server that originally sent it to you. We may use these cookies to personalize your website visit. For example, they allow us to offer you products and services which you may be interested in and to monitor your online banking sessions. We do not use cookies to get your e-mail address or any personal identifying information. It does not contain and sensitive information such as a password or account number. Third-Party Service Providers and the Internet: We use third parties to assist us in providing products and services to you. We are very selective in choosing these companies. They are only allowed to use your information to provide the products and services which we have contracted with them to provide. Children’s Online Privacy Protection Act (COPPA) We respect the privacy of your children and we do not knowingly collect or retain personally identifiable information from children under the age of thirteen. We will comply with the practices established under COPPA. Security We are committed to making sure that your online information is safe and secure. That's why we have implemented standards to protect your nonpublic, personally-identifiable information. We restrict access to your information only to those employees whose job requires them to have such access. Also, in selecting companies to assist us in providing you with the products and services you desire, we are highly selective and require them to adhere to strict standards of security and confidentiality. For more information on security, please CLICK HERE. You can also take steps to protect your financial information. Some suggestions are to NEVER reveal your online password or security codes to anyone; when exiting our website, please use the SIGN OFF button to log off; don’t leave your PC in the middle of a session without logging off, and; if other people have access to your computer, clear your browser’s cache in order to remove web pages which may have been stored temporarily (your browser should have instructions for doing this). Aggregators are companies that will consolidate your account information from many different sources. While this service offers convenience, you will be required to provide that company with authentication information for each account (i.e. your log-in data). Providing such information to an aggregator may result in the unauthorized access and use of your confidential information if the company does not have adequate controls in place. To protect yourself, make sure that the aggregator has taken the appropriate steps to ensure the privacy and security of your information. We cannot be responsible for the unauthorized access and use of your confidential information should you choose to use one of these services. Links to other sites: For your convenience we have provided you with links to other sites that may be of interest to you. We generally do not own these companies and do not control how those companies use the information you provide them. To protect yourself, you should understand their privacy policy when you visit their sites. FAIR CREDIT REPORTING ACT DISCLOSURE Under the Fair Credit Reporting Act Notice of Opportunity to opt Out of Information Sharing with Our Affiliates, we are permitted by law to share with our affiliates information concerning a customer's account history and experiences with us. Information We Share Unless you tell us not to, we may share the following information about you with our affiliates: Information we obtain from an application, such as your income or marital status; Information we obtain from a consumer report, such as your credit score or credit history; Information we obtain to verify representations made by you, such as your open lines of credit; and Information we obtain from a person regarding its employment, credit, or other relationship with you, such as your employment history. With Whom Do We Share This Information Our affiliates who may receive this information may include: Financial service providers, such as insurance agents, mortgage bankers, and broker-dealers; and Non-Financial companies, such as retailers, direct marketers, airlines, and publishers. How To Tell Us Not To Share This Information If you prefer that we do not share this information with our affiliates, you may do so by calling us toll-free at 1-800-490-2639 or e-mailing us at info@RSIbanking.com. Joint Relationships If two or more customers jointly obtain a product or service from us, a request by one party to opt out of information sharing to our affiliates will be treated as applying to the entire account. Please be advised that your direction under this Fair Credit Reporting Act Disclosure covers certain information that we might otherwise share with our affiliates. We may share other information about you with our affiliates as permitted by law. OTHER INFORMATION RSI Bancorp currently includes RSI Bank (“Bank”) and the RSI Insurance Agency, Inc. (“Agency”) (a wholly owned subsidiary of RSI Bank). The use of the words “we”, “us”, and “our” refers to the Bank, the Agency, and any other affiliates of ours which you may or may not have a relationship with. The use of the words “you” and “your” refer to our customers. We reserve the right to change this Privacy Policy at any time. If we do so, we will notify you. The examples contained within this Privacy Policy are illustrations only. They are not intended to be exclusive.