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PRIVACY POLICY




EMPTY HEADING

The following statement discloses our information gathering and dissemination
practices for this website. The information we receive depends upon your actions
when visiting this website.

When you visit our website, we collect the following information:

 1. The (IP) address, which we use for the purpose of counting the volume of
    requests we receive; and
 2. Information that you knowingly and voluntarily provide when you fill in your
    name, address, and any other information on the Contact form, other forms,
    or when you e-mail us.

When you voluntarily choose to send us information by accessing our website, you
consent to our use of the information as stated in this notice. The information
you voluntarily supply to us is used by us first and foremost to process your
request or inquiry. The information may also be used by us to develop, refine,
and provide products, services, and opportunities that help us meet the
financial needs of our customers.

FACTSWHAT DOES CORNERSTONE BANK DO WITH YOUR PERSONAL INFORMATION?Why?Financial
companies choose how they share your personal information. Federal law gives
consumers the right to limit some but not all sharing. Federal law also requires
us to tell you how we collect, share, and protect your personal information.
Please read this notice carefully to understand what we do.What?The types of
personal information we collect and share depend on the product or service you
have with us. This information can include: Social Security number, Income,
Account balances, Payment history, Credit history, Assets. When you are no
longer our customer, we continue to share your information as described in this
notice.How?All financial companies need to share customers’ personal information
to run their everyday business. In the section below, we list the reasons
financial companies can share their customers’ personal information; the reasons
Cornerstone Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal informationDoes Cornerstone Bank share?Can
you limit this sharing?For our everyday business purposes– such as to process
your transactions, maintain your account(s), respond to court orders and legal
investigations, or report to credit bureausYesNoFor our marketing purposes – to
offer our products and services to youYesNoFor joint marketing with other
financial companiesYesNoFor our affiliates’ everyday business purposes –
information about your transactions and experiencesNoWe Don’t ShareFor our
affiliates’ everyday business purposes – information about your
creditworthinessNoWe Don’t ShareFor our affiliates to market to youNoWe Don’t
ShareFor nonaffiliates to market to youNoWe Don’t Share

Questions?Call toll-free 800-939-9103

Who We AreWho is providing this notice?Cornerstone BankWhat We DoHow does
Cornerstone Bank protect my personal information?To protect your personal
information from unauthorized access and use, we use security measures that
comply with federal law. These measures include computer safeguards and secured
files and buildings. We restrict access to your personal information to only
those employees who need to know. We require confidentiality agreements with
third party vendors needed for products and services.How does Cornerstone Bank
collect my personal information?We collect your personal information, for
example, when you Open an account, Deposit money, Pay your bills, Apply for a
loan, Make a wire transfer. We also collect your personal information from
others, such as credit bureaus, affiliates, or other companies.Why can’t I limit
all sharing?Federal law gives you the right to limit only sharing for
affiliates’ everyday business purposes – information about your
creditworthiness, affiliates from using your information to market to you,
sharing for nonaffiliates to market to you. State laws and individual companies
may give you additional rights to limit sharing. (See below for more on your
rights under state law.)

DefinitionsAffiliatesCompanies related by common ownership or control. They can
be financial and non-financial companies. Cornerstone Bank has no
affiliates.NonaffiliatesCompanies not related by common ownership or control.
They can be financial and non-financial companies. Cornerstone Bank does not
share with nonaffiliates so they can market to you.Joint MarketingA formal
agreement between nonaffiliated financial companies that together market
financial products or services to you. Our joint marketing partners can include
companies such as insurance providers.

Other Important InformationWe adhere to Massachusetts Data Protection Law;
Standards For The Protection Of Personal Information Of Residents Of The
Commonwealth, that mandates personal information be encrypted when stored on
portable devices, or transmitted wirelessly or on public networks. Additionally,
the regulation calls on businesses to utilize up-to-date firewall protection
that creates an electronic gatekeeper between data and the outside world and
only permits authorized users to access or transmit data according to preset
rules. Children’s Online Privacy, The law requires parental consent to collect
or use information from a child under 13. If you are a child under 13, please
show this to your parents and do not use the online services of this institution
without verifiable parental consent pursuant to the Children’s Online Privacy
Protection Act.

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