Customer privacy and confidentiality are essential elements in the banking industry. We understand the special responsibility we have, so our Code of Ethics was designed to keep your personal information confidential. Employees are obligated not to discuss your personal information either inside or outside the bank without your prior consent unless the employee is using that information for legitimate business purposes.

Minnesota National Bank does not collect sensitive information about site users and site users are advised to refrain from sending any confidential information such as account numbers and social security numbers via email. Personal information may be collected from site users, but will only be used for purposes of managing the website or to obtain information relating to your level of interest in a particular product or service.

If you have any questions or concerns, please feel free to contact us.


NOTICE OF YOUR
FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Minnesota National Bank.

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
Deposit account
Loan account
Credit card account
Safe deposit box
Retail installment contract we hold and service
Mortgage brokerage services
We will tell you the sources of the information we collect about you. 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 connection 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. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

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 person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

Information you give us on applications or other forms
Information about your transactions with us
Information about your transactions with our affiliates
Information about your transactions with other parties
Information from a consumer reporting agency
THE CONFIDENTIALITY, SECURITY,
AND INTEGRITY OF YOUR INFORMATION

We restrict access to 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 to protect this information.

YOUR INFORMATION
AND OUR AFFILIATES

We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information:

Transaction and experience information from our account records:
Information about your transactions and experience with us, such as:
Name
Address
Account balances
Account activity
Types of accounts
Payment history
Parties to the transaction
Deposit history
Credit card usage
DriverÕs license number
Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.
Types of Affiliates

We may disclose information about you to the following types of affiliates:

Financial service providers, such as:
Minnesota National Insurance Agency (formerly First National Insurance Agency)
Reasons For Disclosure

We may disclose information about you to our affiliates to provide you with information about additional products and services.

YOUR INFORMATION
AND OTHER PARTIES

We may disclose all of the information we collect, as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law.

INFORMATION ABOUT
FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

WEBSITE VISITORS

Visitors to the Minnesota National Bank public Web site remain anonymous. Minnesota National Bank does not collect identifying information about visitors to our site. Minnesota National Bank uses standard software to collect non-identifying information about visitors such as date and time our site was accessed, pages viewed, and web browser used. Minnesota National Bank uses this information to determine the level of interest in information available on our site. Visitors may elect to provide us with personal information. This information is processed internally as appropriate, to handle the user's request.





www.mn-bank.com



BDN088
© 2008 Bankers Systems, Inc., St. Cloud, MN
Form PRIV-DISC 3/12/2008 Custom Revision