BCSB Online Practices (Last updated March 2010)

Through the Web Site, we strive to provide valuable information to you about how we may serve your financial and savings needs whether you are an existing customer or someone shopping for new banking services. We hope that our site answers your questions about our products, services, locations and hours of operation. This statement explains how we collect, use and share information from or about you online when you visit our site. In addition to our online practices statement, if you are a BCSB banking customer, you may receive and be covered by the Baltimore County Savings Bank’s Consumer Privacy Policy which is provided to Bank customers upon account opening and annually thereafter.

Browsing our Site

When you visit this site, we may collect certain types of information about you. The Site does collect and store information about the name of the domain from which you access the internet, such as Verizon.net or Comcast.com, the date and time you access our Site and the internet address of the Web Site from which you linked to us. Other than that, we collect information on visitors only in the aggregate and use it for internal review purposes only. This information simply enables us to tell which areas of the Site are of the most interest to our users, which avenues of Site promotion are most effective, and when peak usage times occur.

Visitors to our Web Site are not required to disclose any personal identifying information. If, however, you choose to contact us via e-mail, please keep in mind that your e-mail address and any other information your e-mail header shows about you, such as your name or organization, will be revealed to us in the e-mail. We pledge, however, that when you communicate with us via e-mail, we will use your e-mail information only for the specific purpose of responding to your comments or questions. Your e-mail address will not be sold, nor will it be shared with others outside the Bank unless we are compelled to do so by law. As is the case of our policy with regard to customer information we further limit our employee access to any information you provide by e-mail to those with a business reason for knowing such information.

Linking to Other Sites

We may provide links to non-BCSB companies, such as government websites, NASDAQ or merchants and service providers. If you choose to link to websites no controlled by BCSB, we are not responsible for the privacy or security of these sites, including the accuracy, completeness, reliability or suitability of their information. If you are asked to provide information on one of these websites we strongly urge you to carefully study their privacy policies before sharing your information.

Maximizing Your Experience on Baltimore County Savings Bank’s Website

You can get more out of your Baltimore County Savings Bank website experience when you tell us who you are. You can choose to do this through a number of online opportunities such as, registration for an online service, or by applying for a product on our website. As a result, we’ll work hard to provide you information on products and services that best fit your banking needs.

Cookies, Similar Files and Other Technologies

Cookies are pieces of information stored directly on the computer you are using. Baltimore County Savings Bank or our third-party service providers, may place cookies or similar files on your hard drive for security purposes. Cookies allow us to collect technical and navigational information, such as browser type, time spent on our site and pages visited. We may also use cookies in online advertising to track consumer responses to Baltimore County Savings Bank advertisements and we may use cookies or other files to track your use of other websites. Cookies and other technologies provide us the capability to monitor the use of our site so we can continually improve the design and functionality to better serve you. Cookies and similar files do not contain or capture unencrypted personally identifiable data.

If you do not accept these cookies, you may experience some inconvenience in your use of some online products. For example, for Online Banking, we will not be able to recognize your computer and you will need to answer a challenge question each time you log on. You also may not receive advertising or other offers from us that are relevant to your interests and needs.

Making Sure Information is Accurate

Keeping your account information accurate and up to date is very important. If your account information is incomplete, inaccurate or not current, please use Online Banking to make updates, or call or write to us at the telephone numbers or appropriate address for such changes listed on your account statements, bank records, online banking or other account materials.

BCSB Policy on Children’s Use

The Baltimore County Savings Bank Web site is directed at persons over the age of 18 and we do not knowingly collect information on or about children under the age of 13 or otherwise. Our policy further specifically states that only those individuals 18 years or older should utilize those portions of our Web site that allow visitors to contact the Bank. We encourage parents and other caregivers to also learn more about online resources to protect children and the Children’s Online Privacy Protection Act by visiting the United States Federal Trade Commission Website at www.ftc.gov and the Kid’s Privacy Page also sponsored by the Federal Trade Commission.

This policy statement is subject to change. If we make changes to the online practices statement, we will revise the last updated date. Please review periodically.

Baltimore County Savings Bank’s Consumer Privacy Policy

Protecting the privacy and confidentiality of your personal information is important to Baltimore County Savings Bank and to our employees. We value your business and the trust you put in Baltimore County Savings Bank. In order to offer you the financial products and services you seek to obtain, we collect, maintain, and use information about you on a routine basis. To help you better understand how your personal information is protected, we are providing you with the following statement describing our practices and policies with respect to the privacy of customer information. In the event you terminate your customer relationship with us, or become an inactive customer, we will continue to adhere to the policies and practices described in this notice.

FACTS	What does Baltimore County Savings 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 and income Account balances and payment history Credit history and credit scores When you are no longer a 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 Baltimore County Savings Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Baltimore County Savings 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 bureaus	Yes	No
For our marketing purposes – To offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We don’t share
For our affiliates’ everyday business purposes – information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes – information about your creditworthiness	No	We don’t share
For nonaffiliates to market to you	No	We don’t share

Who we are
Who is providing this notice?	Baltimore County Savings Bank, F.S.B.
What we do
How does Baltimore County Savings Bank protect my personal information?	To protect your personal information from unauthorized access and use, we use security measure that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Baltimore County Savings Bank collect my personal information?	We collect your personal information, for example, when you Open an account or use your credit or debit card Make a wire transfer or apply for a loan Show your driver’s license 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
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include financial companies such as Ebenezer Road, Inc. T/A BCSB Insurance Services.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Baltimore County Savings Bank does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. Baltimore County Savings Bank does not jointly market.