Privacy Promise

At Miami Savings Bank, the basis of each customer relationship is trust. You have chosen to do business with us and we are obligated to honor that relationship, as always with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. Our confidentiality agreement which is reviewed and signed by every associate, every year, specifically requires us to respect and seek to protect the privacy of our customers. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined herein.

What We Collect:

We collect non-public personal information about you from the following sources:

Information we receive from you on applications or other forms;

Information about your transactions with us, our affiliates, or others;

Information we receive from a consumer credit reporting agency.

What We May Disclose:

We do not disclose any non-public personal information about our customers or former customers to anyone, except as permitted by law.

Simply stated, Miami Savings Bank, does not sell customer lists to anyone.

Security Of Your Information:

We restrict access to non-public personal information about you to “those employees who need to know that information to provide products or services to you.” We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.

Important Notice:

Miami Savings Bank will never use E-Mail to ask for non-public information. In addition, beware of (and report to us) any such request from others claiming to be auditors, FDIC, IRS, etc.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012.  This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest.  It also includes Interest on Lawyers Trust Accounts (“IOLTAs”).  It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.