Rev. 09/2010
FACTS	WHAT DOES FIRST NATIONAL BANK OF NORWAY DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit 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.
What?	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 your information as described in this notice.
How?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons First National Bank of Norway chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information				Does First National Bank of Norway share?			Can you 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				Yes			No
For our marketing purposes - to offer our products and services to you				Yes			No
For joint marketing with other financial companies				No			We don't share
For our affiliates' everyday business purposes - information about your transactions and experiences				Yes			No
For our affiliates' everyday business purposes - information about your creditworthiness				No			We don't share
For nonaffiliates to market to you				No			We don't share
Questions?		Call 906-563-9233 or go to www.norwaybank.com
Page 2
Who we are
Who is providing this notice?			First National Bank of Norway
What we do
How does First National Bank of Norway protect my personal information?			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 maintain physical, electronic and procedural safeguards to protect your nonpublic personal information.
How does First National Bank of Norway collect my personal information?			We collect your 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 other, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?			Federal law gives you the right to limit only ■ sharing for 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.
Definitions
Affiliates			Companies related by common ownership or control. They can be financial or nonfinancial companies. ■ CFN LLC and MICHIGAN BANKERS TITLE OF THE UPPER PENINSULA, LLC
Nonaffiliates			Companies not related by common ownership or control. They can be financial or nonfinancial companies.
Joint marketing			A formal agreement between nonaffiliated financial companies that together market financial products or services to you.