Financial companies choose how they share your personal information. Federal law gives consumers the right to restrict some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• social security number and income
• account balances and payment history
• credit history and credit scores

When you are no longer our customer, we continue to share information as described in this notice.

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list all the reasons financial companies can share their customers' information; the reasons The Napoleon State Bank chooses to share; and whether you can limit this sharing.

For our everyday business purposes –
Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

For our marketing purposes –
to offer our products and services to you

For joint marketing with other financial companies

For our affiliates' everyday business purposes –
Information about your transactions and experiences

For our affiliates' everyday business purposes –
Information about your creditworthiness

For our affiliates to market you

For nonaffiliates to market you

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We collect personal information, for example, when you:

• open an account or deposit money
• pay your bills or apply for a loan
• use your credit or debit card

We also collect your personal information from others, such as credit bureaus.

Federal law gives you the right to limit only:

• affiliates' everyday business purposes – information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• The Napoleon State Bank has no affiliates.

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• The Napoleon State Bank does not share with nonaffiliates so they can market you.

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• The Napoleon State Bank does not jointly market.