This is our privacy notice for our customers. When we use the words 'you' and 'your' we mean the following types of customers:

All of our consumer customers who have a continuing relationship with us, such as:

• Deposit account
• Loan account
• Safe deposit box
• Self-directed Individual Retirement Account where we act as custodian or trustee

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

We first define some terms.

We, our, and us means Rio Grande Savings and Loan Association.

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.

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 means owning enough to have control.

A nonaffiliatedthird party is a company that is not an affiliate of ours.

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with our affiliates
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

We restrict access to nonpublic 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 standards to guard your nonpublic personal information.

We may disclose nonpublic personal information about you. Here are the kinds of nonpublic personal information we may disclose to our affiliates:

• Transaction and experience information from our account records

Information about your transactions and experience with us, such as:

• Name
• Address
• Types of Accounts

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

Types of Affiliates

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

Financial service providers, such as:

• Insurance agents

Reasons for Disclosure

Here is why we may disclose nonpublic personal information about you to our affiliates:

• To provide our customers with information about additional products and services

Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.

We do not disclose nonpublic personal information about former customers.