In recognition of our customer's expectation and right to privacy, it is the policy of Bank North that both financial records of its customers and the relationships between Bank North and its customers are confidential.

Bank North shall collect, retain and use information about individual customers only to the extent that we believe it is legal and useful in order to carry on our business and provide products, services and other opportunities to our customers.

Bank North has established procedures so that a customer's financial information is accurate, current and complete in accordance with reasonable commercial standards. Bank North will also respond to requests to correct inaccurate information in a timely manner and as dictated by State and Federal Regulation.

We collect nonpublic personal 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 our affiliates
	Information about your transactions with other parties
	Information from a consumer reporting agency
	Information we receive as a result of verifying customer information

We do not reveal specific information about your accounts or other personally identifiable data to parties outside our bank unless: 1) you request or authorize it; 2) the information is provided to help complete a transaction initiated by you; 3) the information is provided to a reputable credit bureau or similar information reporting agency; or 4) the disclosure is required or allowed by law. We do not provide account or personal information to any companies for the purpose of independent telemarketing or direct mail marketing of any products or services.

Sometimes, it is necessary to provide personally identifiable information about you to a party outside our bank, such as a vendor or service company that we hire to provide support or services for one or more of our products. These vendors and service companies agree to safeguard our confidential information about you and your products and services with us and must abide by applicable law.

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

Bank North has established security procedures and safeguards, in accordance with commercial standards, intended to prevent access to your confidential information by unauthorized persons. We periodically upgrade and test these security procedures and safeguards.

Protection of customer records and information shall be enhanced by training of employees to follow Bank North's Privacy Procedures. Each Bank North employee is required to follow the Bank's "Code of Ethics" which addresses the importance of confidentiality and customer privacy.

Bank North recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed these Privacy Principles which are made readily available to our customers on our website. Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call Bank North at 1-715-856-5116.