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Digital Privacy Statement

Effective Date: December 10, 2018

Maspeth Federal Saving & Loan Association ("MFS" or the "Bank") is dedicated to providing our customers with the highest level of security and privacy with regard to the collection and use of our online banking customers' personal and financial information, as well as that of all visitors to our web site. As we are in the digital age, MFS realizes that we will deal with sensitive financial information, and we will use our best efforts to ensure that all your information is protected and kept secure.

INTRODUCTION AND SCOPE

This Maspeth Federal Saving & Loan Association ("MFS") Digital Privacy and Cookies Policy ("Policy") applies to your interaction with Maspeth Federal Saving & Loan Association, at any online or mobile site or application that we own and control ("Site"), unless a different online and/or mobile policy is posted at a particular site, or is made available to you and by its terms supplants this Policy.

In addition to the terms of this Policy, you agree to the Terms and Conditions of the MFS website and the MFS U.S. Consumer Privacy Notice, which are posted on the MFS website. This Notice applies to U.S. customers and consumers as described, and applies to information collected.

This Policy also explains certain data use and data protection functionalities and practices of our online ads, such as banner ads, on third party sites. Please note that where we have another type of presence on a site owned by a third party, such as a page or handle on a social media site, that third party's privacy policy and terms of use, rather than this Policy, will govern, unless specifically stated otherwise.

AGREEMENT TO POLICY

By using this site or interacting with a MFS advertisement, page and/or account on a third-party site, you consent to this Policy, including your consent to our use and disclosure of information about you in the manner described in this Policy.

TYPES OF INFORMATION

MFS offers a variety of products that are available online and are also available through a mobile device. Information that we may collect about you through online interaction includes information that you input, such as your name, address, email address, other contact information; data resulting from your activity, such as transaction information; and location information.

Other Information we may collect online, is any information other than Personal Information that does not reveal your specific identity or does not directly relate to an individual, such as browser information, information collected through cookies, pixel tags and other technologies, demographic information, other information provided by you such as your date of birth or household income, and aggregated and anonymous data.

We may also gather additional information, such as the type of device and browser you are using, the IP address of your device, information about your device's operating system, and additional information associated with your device. We may also gather information collected through cookies, tags, and other technologies.

ABOUT "COOKIES" AND AD CHOICES ON THIRD PARTY SITES

Cookies are pieces of data stored on your device. Browser cookies are assigned by a web server to the browser on your device. When you return to a site you have visited before, your browser gives this data back to the server. Mobile applications may also use cookies.

We use cookies and information gathered through their use to make your experience with MFS and certain other sites richer and more personalized based on the products, services, or other interaction you have with us and other sites. Information gathered through use of cookies may be used to make offers to you via online ads, email, U.S. mail, or telephone, subject to the privacy preferences you have on file with MFS. (Privacy preferences for employer-sponsor retirement accounts default to no marketing, solicitation or sharing for marketing purposes without specific consent.)

We also use cookies, sometimes in conjunction with service providers, in online advertising either on our own Site or on third party sites to help determine which of our advertisements are most likely to appeal to you. We respect consumers' ability to exercise choice in receiving these types of ads on third party sites. We honor your choice as follows: For this type of advertising placed on third party sites, we participate in the program utilizing the Advertising Options Icon.

If you receive an ad delivered on a third-party site in part based on information gathered through the use of cookies, you may opt out of receiving such ads by clicking the displayed icon and following the instructions or by visiting http://www.aboutads.info/choices/. This opt-out works via cookies, so if you delete cookies, use a different device, or change web browsers, you will need to opt out again. Please note that we respect your choice via participation in the Advertising Options Icon/aboutads.info program. Information that we collect about you from one particular browser or device may be used to provide advertising or collect information on another browser or device. It may also be transferred to a third party for advertising or information collection on behalf of MFS. Please note that your choice to opt out on a particular browser or device will apply only to the collection and use of information from that particular browser or device. Opting out on a particular device will not opt you out of information collection on other devices, nor will it limit cross device sharing on those other devices. Industry standards are currently evolving and we may not separately respond to or take any action with respect to a "do not track" configuration set in your internet browser.

Other parties that may collect information about your web browsing behavior when you use our Site are generally limited to service providers who may only use any information collected to provide services and marketing for us and not to provide services or advertising for any other party.

Note, however, that we also provide certain widgets or tools on our sites, such as tools that allow web surfers to easily share information on another platform, such as a social media platform. At other times, information from a third party may be embedded on our site, such as a map or information streaming from another site, including communications streaming from a third party social media platform.

These widgets, tools, and informational items often function through the use of third party cookies utilized by the third-party site, such as the social media platform. As a result, these third parties may have access to information about your web browsing on the pages of our Site where these widgets, tools, or information are placed. You may wish to review information at third party sites, such as social media platforms where you have an account, to determine how these third parties treat data that they obtain through the use of cookies.

We also use cookies for purposes such as maintaining continuity during an online session; gathering data about the use of our site; monitoring online promotions; and anti-fraud and information security purposes.

COOKIES, ACCEPT OR REJECT

You may be able to set your browser to reject browser cookies. However, if you choose to reject cookies, you cannot access your accounts online with MFS. Therefore, if you set your browser options to disallow cookies, you will limit the functionality we can provide when you visit our Site. The latest versions of internet browsers provide cookie management tools, such as the ability to delete or reject cookies. We recommend that you refer to information supplied by browser providers for more specific information, including how to use these tools.

ADDITIONAL TECHNOLOGIES

We, or our service providers, and other companies we work with may deploy and use cookies, web beacons, local shared objects and other tracking technologies for various purposes, such as fraud prevention and monitoring our advertising and marketing campaign performance. Some of these tracking tools may detect characteristics or settings of the specific device you use to access our online services.

USING INFORMATION

We will use any information we gather in a variety of ways including processing transactions such as a home loan request, confirming and verifying your identity, working to minimize and prevent personal fraud, working to improve your overall account security, responding to your requests and communicating with you, managing your specific preferences such as passwords and log in credentials, complying with and enforcing applicable legal requirements, marketing, and for other purposes that we may disclose at the time you provide us with or we collect your personal information.

SHARING

We may share information with service providers with whom we work, such as data processors and companies that help us market products and services to you. We may share information with additional third parties for purposes allowed by law including response to legal process. As applicable, please see the additional privacy policies referenced above, such as the MFS U.S. Consumer Privacy Notice, for more information on how we may share information with affiliates and third parties.

CHILDREN'S PRIVACY

From our web pages, we do not knowingly collect personal information from individuals under the age of 13 without obtaining verifiable consent from their parents. We request that such individuals do not provide personal information through the services.

For more information about the Children's Online Privacy Protection Act (COPPA), visit the FTC website: www.ftc.gov.

POLICY UPDATES AND EFFECTIVE DATE

We reserve the right to update this policy at any time. You will be able to note the updated Policy by the revision dated noted on the Policy. All updates to the Policy will be effective when the policy is posted unless indicated otherwise. Your continued use of our site constitutes your agreement to this policy and any updates.