PRIVACY DISCLOSURE

Nekoosa Port Edwards State bank has a tradition of safeguarding customer’s private financial information, and we are committed to upholding that tradition. We value the trust of our customers and understand the importance of keeping their personal financial information confidential. Therefore, pursuant to a financial privacy law which became effective July 1, 2001, our continuing policy relative to financial privacy shall be as follows:

INFORMATION WE COLLECT ABOUT YOU

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, our affiliates, or others.

- Information we receive from a consumer-reporting agency.

NO DISCLOSURES OUTSIDE OF EXCEPTIONS

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

We are permitted under law to disclose nonpublic personal information about our customers to third parties to assist us in marketing our own financial products or services, to market financial products or services offered by us and another financial institution, to process and service transactions the customer requests or authorizes, to protect against potential fraud or unauthorized transactions, to respond to judicial process, and to comply with federal, state, or local legal requirements.

CONFIDENTIALITY AND SECURITY

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 will utilize personal financial information of customers responsibly and will always protect such information which we collect. Our employees will be held to the highest standards of conduct with respect to ensuring the confidentiality of customer information.

We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.