YOUR FINANCIAL PRIVACY

CUSTOMER IDENTIFICATION REQUIREMENTS

WHAT DOES BEDFORD LOAN & DEPOSIT 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 Name     - Address and Phone Number     - Place of Employment and 2 Forms of Identity 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 Bedford Loan & Deposit Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information		Does Bedford Loan & Deposit 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		NO
For joint marketing with other financial companies		NO
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
For nonaffiliates to market to you		NO
Questions?     Call 502-255-3287 or go to www.bedfordbank.com

Who we are
Who is providing this notice?	Bedford Loan & Deposit Bank
What we do
How does Bedford Loan & Deposit 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 also screen phone calls making sure an inquiry is coming from the consumer and not an outsider trying to retrieve information.
How does Bedford Loan & Deposit Bank collect my personal information?	We collect your personal information, for example, when you     - Open an Account or Call for inquiries on your       account(s)     - Apply for a Loan or Cash a check
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 non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies.     - Correspondent Banks OR Non-Correspondent Banks.
Non-affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies.     - We do not supply any personal information to non-       affiliates.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you.     - We do not supply any personal information to Joint       marketing.
Other important information
THE BEDFORD LOAN AND DEPOSIT BANK DOES NOT DISCLOSE ANY NON-PUBLIC PERSONAL INFORMATION ABOUT YOU TO ANYONE, EXCEPT AS PERMITTED BY LAW. IF YOU DECIDE TO EVER CLOSE YOUR ACCOUNT(S) OR BECOME AN INACTIVE CUSTOMER, THE BANK WILL ADHERE TO THE PRIVACY POLICIES AND PRACTICES AS DESCRIBED IN THIS NOTICE. THE BANK RESTRICTS ACCESS TO YOUR PERSONAL AND ACCOUNT INFORMATION TO THOSE EMPLOYEES WHO NEED TO KNOW THAT INFORMATION TO PROVIDE PRODUCTS OR SERVICES TO YOU. THE BANK MAINTAINS PHYSICAL, ELECTRONIC, AND PROCEDURAL SAFEGUARDS THAT COMPLY WITH FEDERAL REGULATIONS TO GUARD YOUR NON-PUBLIC PERSONAL INFORMATION.

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CUSTOMER IDENTIFICATION REQUIREMENTS

Important information about procedures for opening a new account   To help the government fight the funding of terrorism and money laundering   activities, Federal law requires all financial institutions to obtain, verify, and record   information that identifies each person who opens an account.   What this means for you:  When you open an account, we will ask for your name,   address, date of birth, and other information that will allow us to identify you.  We   may also ask to see your driver's license or other identifying documents.   In some cases, identification will be requested for those individuals banking with us   prior to the effective date of the customer identification requirements because   original documentation was not obtained with the opening of the account, or we are   unable to form a reasonable belief that we know the true identity of the existing   customer.  In all cases protection of our customer's identity and confidentiality is our   pledge to you.

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