Kanabec State Bank recognizes and respects our responsibility to protect our customers' private information. The success of a financial institution depends heavily on the level of trust and confidence it enjoys with its depositors, borrowers, and shareholders. In continuing our commitment to provide quality service to our customers, Kanabec State Bank has adopted the following privacy policy.

Our Collection, Use and Retention of Customer 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, our affiliates, or others; and
• Information we receive from a consumer reporting agency.

Restrictions on the Disclosures of Account Information.
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law or listed below.

Disclosure of Account Information.
We may disclose the following information to companies that perform marketing services on our behalf, or to other financial institutions with whom we have joint marketing agreements:

• Information we receive from you on applications or other forms, such as your name, address, phone number, social security number, or date of birth;
• Information about your transactions with us, our affiliates, or others such as type of transactions, date of first customer relationship, or balance range; and
• Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

These vendors and service companies agree to safeguard our confidential customer information and must abide by applicable law.

In addition, we may disclose the following information to our affiliates:

• Information we receive from you on applications or other forms, such as your name, address, and social security number as a means of identification for transaction and experience information, and;
• Information about your transactions with us such as type of transactions, date of first customer relationship, or balance range.

Limited Employee Access to Information.
We restrict access to nonpublic personal information about you to those with a business reason to know in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information.

Our Maintenance of Accurate Information.
We have implemented procedures to help assure that our current and former customers' financial information is accurate, current and complete. In addition to procedures required by federal or state law, we also have procedures for responding to requests to correct inaccurate information in a timely manner, and to update information and remove old information. Customers should notify us immediately at Kanabec State Bank, 730 Forest Avenue East, Mora, MN 55051 if they receive information regarding their relationship with us that they believe to be inaccurate.

Our Internet Web Site.
Visitors to the Kanabec State Bank Web site remain anonymous. We do not collect personal identifying information about site users, unless you choose to provide such information to us for the purpose of signing up for Online Banking, Bill Pay or other banking services, which may be available in the future. 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 Web site from which you linked directly to our site.

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 or concern. It is not disseminated or sold to other organizations. Visitors should, however, keep in mind that e-mail is not secure against interception. Visitors should call us directly at 320-679-3131 or 800-301-4865 if requests or statements include sensitive or private information, such as your account numbers, credit card numbers or social security number.

Protecting Children.
Kanabec State Bank does not collect, use or disclose personal information from or about children on the Internet.

If you have questions or concerns regarding this privacy policy, please contact Kanabec State Bank at 320-679-3131.