The Northwestern Bank recognizes and respects the expectations of our customers regarding privacy business. Protecting your privacy, along with your financial assets, is at the core of our business. We appreciate that you have chosen to do business with The Northwestern Bank and we recognize our obligation to limit access to the information you provide us. Continuing our commitment to our customers, our board of directors has adopted the following principles and guidelines to protect you, our valued customer.

Collection and Use of Information
We collect, retain and use information about you where reasonably useful in administering our business and providing products, services and other opportunities to our customers. The information we collect and retain will be used for the specific business purpose you requested. In addition, the information is used to administer and maintain your account, design and improve products and services, and to comply with certain laws and regulations.

Maintenance of Accurate Information
Keeping your account information accurate and up to date is very important. If you ever find that your account information is incomplete, inaccurate or not current, please call or write us at the Bank branch of your choice. We will correct any erroneous information in a timely manner.

Employee Access to Information and Enforcement
Employees' access to customer information is only provided to employees with a valid reason for knowing such information. Appropriate disciplinary measures are taken to enforce employee privacy responsibilities.

Safeguarding the Security of Account Information
Through security policies and procedures we will maintain security to prevent unauthorized access to our customers information.

Restrictions of Disclosures of Account Information
The bank will disclose information to third parties about your credit, your accounts, and your transactions only under any one of the following conditions.

Maintaining Customer Privacy in Business Relationships with Third Parties
Northwestern Bank follows strict privacy procedures in regard to protection of customer information. Except as otherwise stated in this policy, the Bank will not sell or share customer information with third parties.

Disclosure of Privacy Principles to Customers
It is the policy of the Bank to communicate our privacy policy to our customers. We will periodically review the methods available for communicating the Bank's privacy policy and determine whether the Bank's current practices are meeting the needs of the Bank and our customers.

Internet Website
Visitors to Northwestern Bank's website remain anonymous. We do not collect personal identifying information about site users, unless you choose to provide such information to use. Standard software is used to collect and store ONLY the following non-identifying information about our visitors: the name of the domain from which you access the internet (for example, aol.com, if you are connecting from an America Online account); the date and time you access our site; and the Internet address of the website from which you linked directly to our site. If you submit an online application, it will be transmitted over a secure connection using encryption, and will alert you to this fact. This is the case where confidential information, such as your account number or social security number is requested. Visitors may elect to provide us with personal information via e-mail. This information is used internally, as appropriate, to handle the sender's request and manage the website. It is not disseminated or sold to other organizations. Visitors should, however, keep in mind that e-mail is not necessarily secure against interception. If you do not agree with the use of this information, or are not comfortable with the level of privacy, please use the clear button in on-line forms, or cancel an e-mail before it is sent.

Privacy Procedures

The Northwestern Bank employees may collect and retain customers' information for specific business purposes only. No information should be disclosed to third parties about customers' credit, accounts or transactions unless the information meets on the following conditions: