Respect of Right to Privacy

Brunswick Bank and Trust recognizes and respects your concerns about privacy and security while using our Web Site and Internet Banking Services. We are committed to taking every precaution to protect and safeguard your privacy in the same manner as in our more traditional banking offices. All Internet transactions, such as transfers of funds between your accounts, and third party bill payment, are conducted in a secure (encrypted) environment to protect privacy. If you have any question about your privacy or the accuracy of your account information please contact us.

Collection and Use of Personal Information

The collection of personal information online is designed to protect the security of your accounts, to assist the bank in administering its business, and to provide our customers with the products and services they want. Such information is always collected in a "secure" (encrypted) online environment. Brunswick Bank and Trust does not use "cookies" or other undisclosed electronic information collection methods.

Maintenance of Accurate Information

Brunswick Bank and Trust has established procedures to insure that your personal information is accurate, current, and complete in accordance with reasonable commercial standards. We will respond in a timely manner to any questions from you or requests to correct inaccurate information.

Limiting Employee Access to Information

Brunswick Bank and Trust limits employee access to your personal information to those employees with a business reason for knowing such information. All employees are educated in the need for confidentiality and customer privacy. All access to personal information is controlled by employee password and other security procedures. Our personnel policy provides for disciplinary action to enforce employee privacy responsibilities.

Restrictions on Disclosures to Third Parties

In order to process a customer transaction; If the customer requests it; If the disclosure is allowed or required by law (for example, subpoena, investigation of fraudulent activity, or exchange of information with reputable credit reporting agencies, etc.); or For marketing purposes, if the customer has been previously informed and has been given the opportunity to "opt out". Brunswick Bank and Trust requires all third parties with a business need to access personal account information to adhere to privacy policies similar to our own. Such parties are strictly prohibited from using the information for their own benefit, or allowing any other party to access the information.

Notice of Changes in Temporary FDIC Insurance Coverage for
Transaction Accounts

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about FDIC insurance coverage of transaction accounts, visit http://www.fdic.gov.