NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Newport Federal Bank.
This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following customers:

Our customers who have a continuing relationship by purchasing a financial product or services such as a(n):

• Deposit account
• Loan account
• Credit Card Account
• Safe deposit box
• Self-directed Individual Retirement Account

We will tell you the sources of information we collect about you. We will tell you what measure we take to secure that information. We will tell you what information we share about you with other entities. We will explain what your rights are, and how you can exercise them. If you share an account relationship with someone else, such as a joint account holder, we suggest that you share this information with such persons to ensure that each of you is aware of our policy and your options.

We must first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but mean(s) owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."

Opt Out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to 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 to protect this information.

YOUR INFORMATION AND OUR AFFILIATES

We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information:

• Transaction and experience information from our account records:
• Information about your transactions and experience with us, such as:
  • Name
  • Address
  • Types of accounts
  • Telephone number

Federal law allows us to disclose the information listed above with our affiliates. However, we will allow you to opt out of the disclosure of this information to our affiliates.

TYPES OF AFFILIATES

We may disclose information about you to the following types of affiliates:

• Financial Service Providers such as: Investment Insurance Services

YOUR INFORMATION AND OTHER PARTIES

In addition to our policy with respect to affiliates, we may disclose information to other parties. Here are the kinds of information we disclose to these other parties:

• Information you give us on an application or other forms, such as:
• Name
• Address

You may opt out of the disclosure of the information listed above.

TYPES OF OTHER PARTIES

We may disclose information about you to the following types of other parties:

• Financial Service Providers such as: Insurance Agents

We may also disclose information about you to other parties as permitted by law.

INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR INFORMATION

Affiliates: We may disclose your information with our affiliates. If you do not want us to disclose your information with our affiliates, you can block the disclosure of this information. This is known as your right to "opt out."

Other parties: If you do not want us to share your information with other parties, you can block the release of certain information. This is known as your right to "opt out". Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us.

If you have received one or more services jointly, an opt out instruction by any party will be effective for all of that party's information we have collected and for all information collected in conjunction with the products and service of all other joint parties. If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service.

If you wish to opt out, you may do so by checking the appropriate box(es) on your Privacy Opt Out Notice that was located in your new account relationship packet, or by completing the notice which is mailed out every year, or by requesting one from this address or phone number:

Newport Federal Bank
P.O. Box 249
Newport, Tennessee, 37822
423-623-6088