ESB Bank

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean ESB Bank. This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers:

Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):

Deposit account
Loan account
Safe deposit box

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We will tell you what information we share about you with other entities. We will explain what your rights are, and how you can exercise them. If you share an account relationship with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you is aware of our policy and your options.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an “other party.”

Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

THE INFORMATION THAT WE COLLECT

We collect information about you from the following sources:

Information you give us on applications or other forms.
Information about your transactions with us.
Information about your transactions with our affiliates.
Information about your transactions with other parties.
Information from a consumer-reporting agency.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to 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 this information.

YOUR INFORMATION AND OTHER PARTIES

We may disclose information to other parties. Here are the kinds of information we disclose to these other parties:

Information you give us on an application or other forms, such as:

Name
Address
Telephone Number
Insurance declaration page

You may opt out of the disclosure of the information listed above.

State Limitations

AL, AK, CA, ID and VT – We will not share this information about customers who reside in Alabama, Alaska, California, Idaho or Vermont.

MA, MS and NJ – We will not share any information derived from deposit relationships with us about customers who reside in Massachusetts, Mississippi or New Jersey. If you have a loan account or other customer relationship in addition to a deposit account relationship, and you do not want us to share this information about you, you should opt out using a method described below.

IL – We will not share this information about out customers who reside in Illinois with other parties.

Types of Other Parties

We may disclose information about you to the following types of other parties:

Financial service providers, such as:

Securities broker-dealers
Insurance agents

We may also disclose information about you to other parties as permitted by law.

Reasons for Disclosing

We may disclose information about you to other parties to provide you with information about additional products and services.

INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

AUTHORIZED SHARING – OUTSIDE MARKETING SERVICES
We may disclose the following information to companies that perform marketing services on our behalf:

Information you give us on an application or other forms, such as:

Name
Address
Age

Information about your transactions with us, such as:

Account Balances
Types of accounts

We disclose the information listed above with companies that perform marketing services on our behalf. However, we will allow you to opt out of the disclosure of this information. We may also disclose information about you to other outside marketing services as permitted by law.

Types of Businesses

Here are the types of businesses with whom we may disclose information for outside marketing purposes:

Service providers that perform marketing services for us, such as:

Direct marketing companies

Reasons For Disclosing

We may disclose information about you to companies that perform marketing services on our behalf to provide you with information about additional products and services.

AUTHORIZED SHARING – JOINT MARKETING

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

Information you give us on an application or other forms such as:

Name
Address
Social Security Number
Telephone Number

We may disclose the information listed above with other financial institutions with whom we have joint marketing agreements, except that we do not share such information about California residents. However, we will allow you to opt out of the disclosure of this information if you are a resident of a state in which we do such sharing.

State Limitations

AL, AK, CA, ID, and VT – We will not share this information about customers who reside in Alabama, Alaska, California, Idaho, or Vermont.

MA, MS, and NJ – We will not share any information derived from deposit relationships with us about customers who reside in Massachusetts, Mississippi or New Jersey. If you have a loan account or other customer relationship, and you do not want us to share this information about you, you should opt out using a method described below.

IL – We will not share this information about our customers who reside in Illinois with other parties.

Types of Businesses

We may disclose information pursuant to joint marketing agreements to the following types of businesses:

Financial service providers, such as:

Private Label credit card issuers

Reasons for Disclosing

We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services.

YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR INFORMATION

Other Parties. If you do not want us to share your information with other parties, you can block the release of certain information. This is known as your right to “opt out.”

Outside Marketing. We have explained the kinds of information we may disclose to marketing companies that perform marketing services for us. We will allow you to opt out of the disclosure of this information. If you prefer that we do not disclose information to those companies that perform marketing services for our products, you may opt out of those disclosures, that is, you may direct us not to make those disclosures.

Joint Marketing. We have explained the kinds of information we may disclose to other financial institutions with whom we have joint marketing agreements. We will allow you to opt out of the disclosure of this information. If you prefer that we do not disclose information to those financial institutions with whom we have a joint marketing agreement (or to any outside marketing firm used in connection with such an agreement), you may opt out of those disclosures, that is, you may direct us not to make those disclosures.

Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us.

If you have obtained one or more products or services jointly, an opt out instruction by one party is effective for all information we have collected about all joint parties. If one of you chooses to opt out, no information about any of the joint parties will be shared.

If you have previously opted out, you do not need to opt out again.