Our most important asset is our customers’ trust. Keeping customer information secure and using it only as our customers would want us to is our top priority. Our customers furnish sensitive information to our banks and subsidiaries in the course of daily business, and our organization is committed to treating such information responsibly. We know that our customers expect privacy and security for their personal and financial affairs. In that spirit, we disclose to you our privacy policies and the measures we take to keep your information secure.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us when used in this notice, means Bay-Hermann-Berger Bank. 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
• Credit card
• 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:

Nonpublic personal information means information about you that we collect in connections 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 nonaffiliated third party is a company that is not an affiliate of ours.

The Information That We Collect
We collect nonpublic personal information about you from the following sources:

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

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION

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.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
We will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
We will not disclose nonpublic personal information about former customers, except as permitted by law.

AUTHORIZED SHARING – JOINT MARKETING
We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

• Nonpublic personal information we receive from you on an application or other forms such as:
• Name
• Address

Federal law allows us to disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Types of Businesses. Here are the types of businesses with whom we may disclose nonpublic personal information under this section

• Financial service providers, such as
• Insurance Companies