Protecting your Privacy

Introduction
Enterprise Bank is a full-service independent commercial bank providing a broad range of products and services to its consumers and customers (as defined by FDIC Regulation P) from basic banking services to investments, trust services, loans and mortgages, insurance, and online banking. At Enterprise Bank, protecting our customers' privacy and financial assets has always been at the core of our business. We value the trust that you have placed in Enterprise Bank by choosing to do business with us. Enterprise Bank and its affiliates recognize their responsibility to keep the information that we obtain from and about our consumers and customers secure and confidential in accordance with our Privacy Policy which is detailed below. Enterprise Bank and its affiliates do not share consumer and customer or former customer non-public personal information with anyone except as permitted by law or as specifically authorized by you.

The Gramm-Leach-Bliley Act, a Federal law, requires that financial institutions with whom you do business, such as Enterprise Bank, notify you of their Privacy Policies at the start of your relationship with them, and annually thereafter, as long as you continue to have a relationship with them. This regulation applies only to products and services that are used by you personally or which relate to your family or home. It does not apply to business-purpose products or services.

Personal Information We Collect
In order to deliver products and services to our customers as effectively and conveniently as possible and to better understand the financial needs of our customers, Enterprise Bank collects, retains, and uses various types of information about our customers. This includes demographic information (such as your name, address, phone or social security number) and credit information (information related to your accounts with us or others). This information comes either directly from you; for example, from applications prepared by you, financial statements which you provide to us, or E-mails sent to us, or from transactions on your accounts with us. It may also come from outside sources, such as credit reporting agencies or public records. If you visit our Internet website, EnterpriseBanking.com, you should know that we do not collect identifying information about you, but we may use standard software (called "cookies") to collect non-identifying information about your Internet usage, such as the date and time our site was accessed and the web browser that you used.(i.e., Microsoft Internet Explorer, Netscape Navigator). This information is used to compile standard statistics on site usage.

Security Measures and Information Accuracy
Enterprise Bank diligently maintains physical, electronic and procedural safeguards that comply with applicable federal standards to guard your private personal information, and to assist us in preventing unauthorized access to that information. The only employees or companies who can access your personal information are those who use it to service your account, to respond to your questions, or to provide services to you or for us. Our employees are subject to a corporate code of ethics and other policies that require maintaining the confidentiality of customer information, and they are subject to disciplinary action if they fail to adhere to these policies.  Therefore, we will ensure that our employees understand the importance of maintaining the confidentiality of all customer information, and that they fully understand the Bank's Privacy Policy through ongoing training.

We also make every effort to ensure that the consumer personal information that we maintain about you is accurate, up-to-date, and complete. If you believe that information is inaccurate, we encourage you to contact us by calling our Customer  Service Center at 978-459-9000 so that we can properly research and correct any inaccuracies in a timely manner.

Sharing Information with Affiliated Entities
Enterprise Bank has established several affiliated companies in order to better provide you with certain types of products and services, such as investments*, and insurance*. These companies include Enterprise Bank Investment Services LLC and Enterprise Bank Insurance Services LLC. Enterprise Bank may share certain information with our affiliates for general business purposes; for example, to complete a transaction which you requested that we initiate.  Information that we may share with our affiliates may include both demographic information, such as your name, address, and telephone number, and transaction or experience information related to the accounts that you maintain with Enterprise Bank. We do not share information with our affiliates for marketing purposes.

Sharing Information with Our Partners
Enterprise Bank has established partnerships with several outside financial entities to jointly provide such products as credit cards, investments and insurance products to our customers. If you ask us to provide you with any of these products or services, Enterprise Bank will share information about you with our partners so that they can establish and maintain your account. Information that we share may come from your application (for instance, your name, address, or telephone number) or from credit reporting agencies. It may also include transaction and experience information on your accounts at Enterprise Bank.

Enterprise Bank also employs outside marketing companies on a contract basis to assist us in marketing our products and services. Information that we may share with our marketing partners includes your name, address, and telephone number and a general description of the type of relationship you maintain with us. For example, we may indicate that you have a deposit account, loan or a mortgage. We do not disclose your account numbers, your social security number, or any credit or transaction information to our marketing partners.

Please note that we will maintain written contracts with all of our partners that prohibit the use of consumer personal information that we provide to them for any purpose other than to jointly market our products to you, and which require them to treat such information in a confidential manner.

Sharing Information with Outside Third Parties
Enterprise Bank does not share non-public personal information with non-affiliated third parties except as specifically authorized by you or as permitted by law. The types of information that we may provide to others include both demographic and credit and transaction information as described above. An example of a situation where you might authorize us to provide your personal information to an outside third party is if you are applying for a mortgage at another financial institution which needs to know about your deposit and/or loan history with us.

Examples of outside third parties with which we are permitted by law to share information include:

• Credit reporting agencies;
• Companies that provide operational or marketing services for us, such as firms that perform fraud prevention, accounting, or independent loan quality review;
• Entities that help us establish, maintain, service, or if necessary, collect amounts due on your account;
• Persons acting in a representative capacity for you; for example, your attorney or accountant;  
• Governmental agencies in response to a subpoena, court order and/or judicial process.

Other Information
Enterprise Bank recognizes and respects the privacy expectation of its consumers and customers and considers the safekeeping of customer information a fundamental responsibility of the Bank. We will willingly disclose and explain our Privacy Policy to our consumers and customers. If you have any questions about this Privacy Policy or suspect or believe an actual breach of Privacy has occurred, please contact the following:

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

Updated: 6/24/09

On-line Privacy Policy

Enterprise Bank's Online Privacy Policy explains how we may collect and handle information from you on-line when you visit our website. While our privacy policies are the same whether you are on-line or not, we have extra measures in place to protect your privacy when you bank on-line with Enterprise Bank.

Visiting
If you're visiting our website to obtain general information, to use our various demos or Enterprise Bank Calculator Center for example, then we collect and store only the name of the domain from which you access the Internet, the date and time you access our website and the Internet address of the website from which you linked directly to our website. The information we do collect as a visitor is used to compile standard statistics on site usage. If you do not bank on-line with Enterprise Bank, we do not collect, capture, or retain personally identifiable information when you are just browsing or using these demos or calculators.

Using Services
When you initiate an on-line application for one of our products, register for an on-line service or use one of our on-line products, our website will request information, such as your name, address, social security number, your e-mail address, or your account number. For security, the system may ask for pre-defined responses to generic questions. This information allows you to perform certain tasks such as reviewing your account or making transfers or allowing us to provide the information requested. In these cases, we collect only the information necessary to interact with you. This personal information may be shared with third parties (such as data processors or service bureaus) as part of servicing your accounts or transactions. We also gather data to track website usage, such as number of hits, pages visited, and the length of user sessions in order to evaluate the usefulness of our sites.

Cookies
Cookies are pieces of data assigned by a web server to the browser on your PC. Cookies help websites to keep track of your preferences and to recognize return visitors. So, when you return to a website you've visited before, your browser gives this data back to the server. We may use cookies in this manner. If you wish, you may modify your browser to disable cookies; however, if you choose to reject cookies, you cannot bank on-line with Enterprise Bank.

Protecting Your Information
Enterprise Bank diligently maintains physical, electronic and procedural safeguards that comply with applicable federal and state standards to guard your information and to assist us in preventing unauthorized access to that information. Enterprise Bank has policies in place that prohibit employees from accessing your personal information unless there is a business reason to do so such as processing a transaction.

E-Mail
You may also decide to send Enterprise Bank information in an electronic mail (e-mail) message. We will use that information to respond to the inquiry and provide accurate information in response to questions. We will not share this personal information with anyone except to maintain your accounts or to carry out a transaction you requested. E-mail is not a secure vehicle therefore personal identifiable information or confidential information (for example, your social security number or account number) should never be included in an e-mail.

Privacy of Children
The Children's Online Privacy Protection Act protects children under the age of 13 from the collection of personal information through our website without obtaining verifiable consent from the parents. We do not knowingly collect or use personal information from children under 13 nor do we allow them to open on-line accounts

Links to non Enterprise Bank Websites
Enterprise Bank is not responsible for the information collection practices of non Enterprise Bank links you click to from our web pages. We cannot guarantee how these third parties use cookies or whether they place cookies on your computer that may identify you personally. We urge you to review the privacy policies of each of the linked websites you visit before you provide them with any personally identifiable information.

Updated: 6/24/09

Security

Online Banking Security
Security is our number one priority at Enterprise Bank. We are strongly committed to protecting the security and confidentiality of your account information. We use state-of-the-art technology to ensure that your banking sessions are secure.

With Enterprise Bank's Online Banking, you can bank with the same confidence you have when using TeleBanc, Enterprise Bank's Telephone Banking, our branches, and our ATMs. At Enterprise Bank, we use a combination of methods to ensure that your online banking sessions are secure: 

Enterprise Bank - Approved Browsers
Enterprise Bank requires that your browser supports 128-bit encryption, and does not allow banking session information to be stored on your hard drive unless you specifically download it and save it on your computer. You must use an Internet Browser that supports Secure socket Layers (SSL) v3.0 or above. SSL encrypts your data to prevent unauthorized persons from gaining access to it. If you are having difficulty signing on to Online Banking, you may need to upgrade your browser to one that supports SSL v3.0 above.

Authentication 
Enterprise Bank will authenticate using various techniques and levels of security. Each time you log into Online Banking, a unique session will be created. You will authenticate by first entering your unique login ID. The system will then further authenticate you using multifactor authentication or mutilayered security. Multifactor authentication utilizes more than one factor during the authentication process. These factors could include something you know ( e.g.,Password, PIN );something you are ( e.g., biometric characteristic), and something you have (e.g., PC, Token). Multilayered security uses one factor one factor multiple times during the authentication process such as asking you to answer a security question and then requesting a your password. The bank encourages you to never use a password that can be easily associated with you personally (i.e., your phone number, date of birth, etc.). In addition, DO NOT share your Online Banking password or security questions and answers with anyone you do not want to have access to your accounts. If you suspect an unauthorized person has obtained your password, please contact us immediately to change it.  .

Timed Logoff 
If you leave your computer unattended or forget to exit when you have completed your secure online banking session, Enterprise Bank will automatically terminate your session after 30 minutes of inactivity.  When you are finished using Online Banking, be sure to log off the system before visiting other web sites. If other people have access to your computer, clear your browser's cache in order to remove copies of web pages that may have been stored temporarily on your system. Refer to your browser's Help file for instructions in clearing your cache.

Confidential Information 
If you send an email to Enterprise Bank, DO NOT include personal or account information. Email sent via the Internet is potentially able to be read in transit by others. In general, be careful of any Internet site with which you are not familiar. Avoid sending information such as your Social Security Number, credit card numbers or bank account information unless you are in a secure site like Online Banking. When visiting unfamiliar web sites, be particularly aware of small windows that may randomly appear on the screen, If you are not comfortable with a newly created window, close it immediately. The safest next step would be to exit or restart your browser.  

Anti-Virus Software 
You should install anti-virus software on your computer and run a network scan frequently with your anti-virus software to detect and remove questionable files.  

Updated 11/20/09

To speak with one of our trusted advisors about your needs, call 978-459-9000 or contact us today.