Nicollet County Bank respects the privacy expectations and rights of its customers regarding financial information and other related information, which the Bank has or gathers in the normal course of business.

Nicollet County Bank collects, retains and uses information about individual customers only when we believe it is appropriate in administering our business and to to provide products, services and other opportunities to customers. This information is obtained from application information, transaction information and consumer report information.

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 or others; and
• Information we receive from third parties, such as a consumer reporting agency.

"Nonpublic personal information" is nonpublic information about you that we may obtain in connection with providing a financial product or service to you. This could include information such as account balance, payment history and overdraft notice.

We do not disclose any nonpublic information about you to anyone, except as permitted by law.

If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices described in this notice.

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.