Colonial Security Policies

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Regulatory Information for our Customers.

We encourage everyone to read our regulatory statements. They define Terms of Use and other important miscellaneous statements and business practices.

PROTECTING INFORMATION ONLINE

Whether you are a current customer or just visiting us online, we safeguard the information you provide to us at www.colonial4banking.com using the same standards outlined in our Privacy Policy.

HOW WE HANDLE E-MAIL

E-mail sent within Internet Banking is secure. The secure on-line transmission of information to Colonial Co-operative Bank is only available within your Internet Banking account after you have established a secure connection.We preserve the content of your e-mail, your e-mail address and our response so that we can more efficiently handle any follow-up questions you may have. We also do this to meet legal and regulatory requirements.Regular non-encrypted Internet e-mail is not secure. In the instances where Colonial Co-operative Bank Internet e-mail addresses are provided, these are provided for information inquiries of a non-sensitive and non-confidential nature.

PROTECTING YOUR ONLINE BANKING

When you bank online with us, we, along with the outside companies we work with to bring these services to you, have access to your information. Information is retained on our system or the system of the appropriate outside company, depending on what is required in order to serve you.We use state-of-the-art Internet technology, supported by the outside companies we work with, to make online banking secure and to protect your personal information. The Internet banking service employs Secure Socket Layer (SSL) protocol (to ensure all data is encrypted), industry leading firewalls, custom designed architecture and unique identifiers and passwords. All this is designed to ensure the safety of your Internet banking transaction. You can also help maintain the security of your banking information by not sharing your I. D., or password with anyone, by changing your password regularly and by remembering to sign off.

WHEN INFORMATION IS COLLECTED AND NOT COLLECTED

Some areas of our web site require information, such as your e-mail address, to enable you to perform certain tasks (for example, to correspond with us). In these cases, we collect your information so if necessary we may interact with you. If you do not interact with us and you browse our web site anonymously, any personal information, such as your e-mail address, is not collected.We gather and analyze data regarding usage of our web site, including domain name, number of hits, pages visited, length of user session, etc., to evaluate the usefulness of our site.

ABOUT "COOKIES"

To provide better service and a more effective web site, we may use "cookies" as part of our interaction with your browser. A "cookie" is a small text file placed on your hard drive by our web page server. These cookies do not collect personally identifiable information and we do not combine information collected through cookies with other personal information to determine who you are or your e-mail address.Cookies are commonly used on web sites and do not harm your system. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted. We use cookies to determine if you have previously visited our website and for a number of administrative purposes.

Please contact us at 978-632-0171 and ask to speak to a Customer Service Representative in our E-Banking Dept. should you have any questions or comments.

Colonial Co-operative Bank cares about children's identity and privacy issues and complies with Federal Children's Online Privacy Act regulations. CCB does not knowingly collect personal information from children. At the same time, it is the parent or guardian's responsibility to monitor their children's online activitiesThe Children's Online Privacy Protection Act, effective April 21, 2000, applies to online collection of personal information from children under the age of 13.Any operator of a commercial website or an online service must comply with the Act if:

The website or online service is directed to children under age 13 and collects personal information from children; or

The operator of a general audience website has actual knowledge. it is collecting personal information from children.

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