Bangor Savings Bank:

Bangor Savings Bank Financial Group 
Consumer Privacy Policy 2009-2010

Your privacy matters to us. 
Important information about your privacy at Bangor Savings Bank

Overview
Technology and new marketing practices have increased the amount of customer information collected and shared in today's marketplace. Consumers are concerned about the impact this development has or might have on their privacy and reputation. At Bangor Savings Bank, we are sensitive to the importance of these concerns. We want to serve consumers as effectively and conveniently as possible, and such service involves making use of technology and customer information. But we also want our customers to be confident that their relationship with Bangor Savings Bank is treated with the appropriate confidentiality. We therefore commit to customers that we will take reasonable steps to protect the privacy of the information shared with us. Our customers are protected not only by State and Federal laws but-even more importantly-by Bangor Savings Bank's commitment to them.

This Privacy Policy applies only to consumer information and transactions. 

This Privacy Policy applies to the entities comprising the Bangor Savings Bank Financial Group, which includes Bangor Bancorp, MHC, Bangor Savings Bank, its divisions, and any wholly owned subsidiaries and affiliates. The makeup of this group may change from time to time. You may find out if a particular company is subject to this policy by contacting us at Bangor Savings Bank, P.O. Box 930, Bangor, Maine 04402-0930, attention Customer Care Center, or call 1.877.226.4671.

Employee Commitment
Bangor Savings Bank employees are informed of their responsibility to protect confidential customer information and are bound by this Privacy Policy. They are governed by a code of conduct that includes the responsibility to protect the confidentiality of customers' financial and other personal information.

Only employees actively engaged in the discharge of their assigned duties are authorized to access or use customer information.

Information Collection and Sharing
We may collect and share nonpublic personal information about you from the following sources:

• 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, parties to transactions and credit card usage;
• Information we receive from a consumer reporting agency such as your creditworthiness and credit history.

We limit the use and collection of information about our customers to that which is necessary to administer our business, provide superior service and offer opportunities that we think will be of interest to customers. This means that we use information to help us identify and mitigate potential risks or loss to Bangor Savings Bank. We use information to help identify additional products or services that we believe customers might want to know about. We use this information only in accordance with the principles set out in this Policy.

Former Customers
This Privacy Policy will continue to apply to information collected from you even after your relationship with a member of the Bangor Savings Bank Financial Group ends.

Records Security
We maintain physical, electronic and procedural safeguards that comply with Federal regulations to guard your nonpublic personal information.

Accuracy
Bangor Savings Bank employs reasonable measures to ensure the accuracy, timeliness and completeness of our customer information. If we become aware of inaccuracies in our records, we take prompt steps to make appropriate corrections. If you believe that any information about you is inaccurate, please let us know.

Privacy on the Internet
Customers may have special privacy concerns regarding services of the Bangor Savings Bank Financial Group on the Internet. In particular, customers might be anxious to ensure that their information is secure, that such information is also covered by this Privacy Policy and that they are aware of and can control Bangor Savings Bank's use of their personal information in the Internet environment.

The Bangor Savings Bank Financial Group is equally concerned about customer privacy in the Internet world and is committed to its protection. Please also know that this privacy policy applies in its entirety to anything customers might do at our Web sites.

In addition, Bangor Savings Bank wants you to know about "cookies" and how and why Bangor Savings Bank may use them.

• "Cookies" are messages a Web server gives to a Web browser. The message contains information that is then stored on a user's computer and sent back to the server when the user's browser requests pages from a web server.
• "Cookies" are used for many purposes: to enhance customer convenience, to personalize the session for the customer, and to track customer activity at the Web site for later use in marketing and responding to customer needs. 

Customers can disallow "cookies." You may do this by making the appropriate selection from your browser options. You should understand, however, that:

• Certain services provided by Bangor Savings Bank may require "cookies" for effective delivery. Where this is the case, customers will be warned that they will need to allow "cookies" if they wish to receive the service. The choice will at all times be the customer's.
• If the customer does allow "cookies," Bangor Savings Bank will at all times treat the information supplied through those "cookies" with the same security and privacy protection as any other customer information we receive.

Information Collected from You with Technology
We may collect information about you when you visit our Web site.  This information may include technical information related to your computer and the manner in which you are accessing our site.  This may include information such as the Internet protocol (IP) address of your computer, what browser software (e.g. Internet Explorer) your computer is using, the Uniform Resource Locator (URL) from which you last came to our site, the URL to which you go next and certain operating metrics such as the amount of time you use our site.

Information collected is limited to that necessary to complete the activity. For example, information you provide online regarding check reorders will include a routing and transit number, account number, starting check number and your e-mail address. Some areas of our site may collect information anonymously using technology such as page tagging to track information such as site usage to help us improve our site, products and services. 

Linking to Us
Some of the links made available to you through our Web pages will allow you to leave our Web site.  The privacy practices of linked Web sites are not covered by Bangor Savings Bank's Privacy Policy and Bangor Savings Bank, its' subsidiaries and affiliates are not responsible for the privacy practices, data collection, security or content of other Web sites.  You should review carefully any privacy policies posted on any linked sites prior to using them.  Please be aware that the Internet sites available through these links and the materials you may find there are not under the control of Bangor Savings Bank, its affiliates and subsidiaries.  Therefore, we cannot and do not make any representation to you about these sites or the materials found there.  The fact that we have made these links available to you is not an endorsement or recommendation to you by Bangor Savings Bank of any of these sites or the materials found there and we are providing these links only as a convenience to you.

Sharing Consumer Information
To protect customer privacy, we control carefully the way in which any information about customers is shared. We may share nonpublic personal information about you with the following types of third parties and may also share such information about you with other nonaffiliated third parties as permitted by law:

Within Bangor Savings Bank Financial Group
We are permitted to share within the Bangor Savings Bank Financial Group information concerning a customer's account history and experiences with Bangor Savings Bank. The Bangor Savings Bank Financial Group includes, for example, our banking, insurance, brokerage and payroll processing divisions. In some situations, a person might disclose or authorize the disclosure of medical information as part of an application for a specific product such as insurance. We share any such medical information only with those who need to know this information in order to process the application. We will not allow this information to be used elsewhere within Bangor Savings Bank Financial Group for any other purpose.

With Business Partners
Sometimes specific customer information has to be shared with companies we hire to provide operational support, companies that participate with us in supplying products and services to customers, and companies that promote products and services on our behalf. Except in unusual situations (where they might be governed by Federal or State laws to the contrary), these companies are not permitted to use our customer information for purposes other than the provision of the service intended. We share your information with these companies only if they agree to treat it confidentially.

We may disclose all of the information we collect, as described in the section "Information Collection and Sharing," to companies that we may choose to perform marketing services on our behalf or to other financial institutions with which we may choose to have joint marketing agreements.

Bangor Savings Bank may, in the future, make a business decision to sell a particular line of business including, necessarily, the related customer database.  Bangor Savings Bank reserves the right, in these circumstances, to transfer ownership of such customer databases to the purchaser. You will be notified of such a transfer.

With Consumer Reporting Agencies & Other Companies
We exchange information about our customers with reputable information reporting agencies, financial institutions and merchants, in accordance with standard banking industry practice, so we can verify the existence and condition of customers' accounts. We do not share specific personal customer information with independent companies for any other purpose without the customer's consent.

With the Government
The Bank Secrecy Act, Internal Revenue Code, Right to Financial Privacy Act, the Welfare Reform Act and various other laws and regulations require us or our contractors, under certain circumstances, to provide certain customer information to government agencies. We only disclose customer information to the government or others when we are required to do so by such laws, regulations or by court order. State and Federal laws impose certain mandatory disclosures of customer information by financial institutions. We must comply with laws that require mandatory production or disclosure.

With Third Party Litigants
If you are involved in a legal proceeding, both Federal and State law provide parties to the litigation the right to compel the production of records and information from banks and other third party record keepers in certain situations. We only disclose customer information to third party litigants when we are required to do so by lawful judicial process or by court order.

If you have questions or concerns about this privacy policy, call 1-877-226-4671 or send an email to CustomerCare@bangor.com.