At Cambridge State Bank, we recognize and respect your expectation of privacy and are committed to collecting, using, and securing customer information. We share information with third parties in limited circumstances as permitted or required by law. We maintain standards to ensure that your information is private and secure at all times.

NOTICE OF YOUR FINANCIAL
PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Cambridge State Bank.

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

• Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
  • Deposit account
  • Loan account

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We 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 means 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."

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

INFORMATION WE DISCLOSE ABOUT YOU

We do NOT disclose any information about you to anyone, except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

MAINTENANCE OF ACCURATE INFORMATION

We have established procedures to ensure that your financial information is accurate, current, and complete, in keeping with industry standards and federal law. Should you ever believe or question that our records contain inaccurate or incomplete information about you, please notify us. Contact: Joanne Boden at 763-689-2500

EMPLOYEE ACCESS TO INFORMATION

Employee access to customer information is limited to those with a business reason to have access to such information. We educate our employees on the importance of maintaining confidentiality of customer information and will take appropriate disciplinary measures to enforce this privacy policy.

INFORMATION ABOUT FORMER CUSTOMERS

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

501071-030
© 2000 Wolters Kluwer Financial Services - Bankers Systems™
Form PRIV-DISC   9/4/2001   Custom   2.1/4234