FIRST NATIONAL BANK OF NORWAY

PRIVACY STATEMENT

The basis of each customer’s relationship with the First National Bank of Norway is trust.  You have chosen to do business with us and it is essential to honor that relationship with great care, beginning with the information you share with us.  We recognize, respect and protect the personal privacy rights of all our customers.  We are committed to providing the proper security and privacy regarding the collection and use of our customer information, as well as personal information of all consumers who visit our bank.  It is our policy to maintain this information in a confidential manner.  At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals.  We believe we can do both by following the privacy policy outlined below.

INFORMATION MANAGEMENT PRACTICES
The confidentiality and security of information we collect is important to us.  We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you.  We maintain physical, electronic and procedural safeguards to protect your nonpublic personal information.

MAINTAINING ACCURATE INFORMATION
We continually strive to maintain complete and accurate information about you and your accounts.  In our attempt to maintain complete and accurate information, we collect nonpublic personal information about you from the following sources:
• Information we receive from you on applications and other forms.
• Information about your transactions with us, our affiliates, or others.
• Information we receive from a consumer reporting agency.
DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION
We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.  If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.

OUR PRIVACY COMMITMENT TO YOU
We value our customer relationships.  We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy.  If you have questions on how we protect your confidential information, please contact the First National Bank of Norway at 906-563-9233 and ask for the Compliance Officer or President.