Privacy Statement for Geddes Federal Web Site

Welcome to our web site. At Geddes Federal Savings & Loan Association, we believe that preserving the confidentiality of your personal information is one of our most important responsibilities. We respect your right to privacy and take every possible measure to ensure that your personal information remains personal. In short, we work hard to earn your confidence and preserve your trust. We have created this privacy statement to demonstrate our commitment to your privacy.

You can visit this site and find out about our products and services or other information without giving us any information about yourself. If you do provide any personal information to us by completing our information request page, loan pre-qualification form, or apply for online banking, rest assured that the information you provide is secure. We do not collect identifying information about visitors to our site. All visitors remain anonymous. But we do collect and store information about your Internet connection. Specifically, we record:

• The name of the domain from which you access the Internet (for example, aol.com, if you are connecting from an America Online account, or Princeton.edu, if you are connecting from Princeton University's domain).
• The Internet address of the Web site from which you linked directly to our site, if any (For example, www.fdic.gov, if you are following a link from the FDIC Web site, or www.yahoo.com, if you find us using the Yahoo search engine).
• The type of web browsing software and operating system you are using to view our site.
• The date and time you access our site.
• The pages you visit on our site.

Links available through our Web site will allow you to leave our site. Geddes Federal is not responsible for the contents of any linked Web sites and assumes no responsibility for such linked sites. The links are provided for your convenience only.

The following section describes how we safeguard the privacy of our customers On-line and throughout our business:

We Will Maintain Accurate Information About You.
Geddes Federal has established procedures to ensure that your information is accurate, current and complete, in keeping with reasonable commercial standards. Geddes Federal Savings and Loan Association has no intention of selling or providing customer information to third parties for their own marketing purposes.

Categories of Non-Public information we disclose:
Geddes Federal will share specific information about its customers and former customers with nonaffiliated third parties under the following circumstances:

1. To comply with applicable laws and regulations;
2. To protect against fraud;
3. To provide products and services for our customers;
4. To service or process a financial product or service that a consumer requests or authorizes;
5. To verify the status of your account for certain third parties such as credit bureaus or merchants; and
6. To the extent permitted by law.

Important Notice:
If you are sending electronic mail to Geddes Federal, we want to remind you that e-mail is not necessarily secure against interception. If your information is very sensitive, or includes personal or confidential information -- such as your bank account, charge card, or social security number -- you may want to send it by postal mail to the address listed below.

Geddes Federal Savings and Loan Association
Privacy Disclosure Policy:

We respect your right to privacy.
We have never shared nonpublic personal information and we will continue to protect your privacy except as permitted or required by law. At Geddes Federal Savings and Loan Association, we recognize that you have a right to expect your personal financial information to remain private and secure. We will maintain standards to ensure that your information is private and secure at all times.

How we use, collect, and retain information about you.
Your relationship is important to us and we're committed to providing you with the best service possible. To do that, we gather information from a variety of sources to keep you informed about the many financial services, products and benefits available to you as a Geddes Federal customer and to provide you with the ability to manage your finances most effectively. For example, we collect information from the following sources:

• Information we receive from you on applications and other forms, such as your name,
  address and social security number.
• Information about your transactions with us or others, such as your account balance,
  payment history, parties to transactions, and credit card usage, and;
• Information we receive from consumers reporting agencies, such as your credit
  worthiness and credit history.

If you end your customer relationship with us or become an inactive customer, we will continue to treat the information we have about you as if you were still our customer.

Categories Of Information That We Disclose
We do not disclose any nonpublic personal information about our customers or former customers to anyone, unless:

• You authorize or request it.
• The information is provided to help complete a transaction you initiated.
• The information is provided to a reputable credit bureau or similar information reporting
  agency.
• As permitted or required by law.

Disclosure As Permitted By Law
To the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 (12 U.S.C. 3401 et seq.).

We may disclose nonpublic personal information about you to the following types of third parties:

• Financial service providers, such as [, such as correspondent banks, insurance agents"];
• Non-financial companies, such as [internet service providers and consumer reporting agency’s]

We may disclose all of the information we collect, as described above to outside/third party vendors or companies that perform services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Confidentiality and Security
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information. If you believe that any information collected or furnished to Geddes Federal Savings & Loan Association is inaccurate, Please contact us at the telephone number or address listed below.