Policy And Notice  INTRODUCTION   This notice describes the collection, use, and security of nonpublic personal information. Nonpublic personal information refers to personal information about you that is not publicly available. For example, nonpublic personal information includes information regarding your account balance, payment history, overdraft history, and credit or debit card purchase information. We collect and use only information that allows us to provide the financial products and services you requested.    Furthermore, as used in this notice, "we", "us", or "our" refers to the Williamstown  Bank. You refers to the consumer/customer. NOTICE        It is the policy of the Williamstown Bank not to sell, transfer, or otherwise disclose any nonpublic personal information of current or former customers, except as permitted or required by law or as authorized by you. INFORMATION COLLECTED        The purpose in collecting personal information is to provide financial services and products you requested. To this end, we collect nonpublic personal information about you from the following sources: • Information we receive from you on applications for loans or other forms; • Information about your transactions with us or others; and • Information we receive from a consumer reporting agency (credit bureau).         We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.    SAFEGUARDING OF CUSTOMER INFORMATION    We also take steps to safeguard nonpublic personal information. For instance, our policies and procedures restrict access to this nonpublic personal information about you to only those employees who need to know that information in order to provide products or services to you. In addition, we maintain physical, electronic, and procedural safeguards in compliance with federal regulations to guard your nonpublic personal information.