Please read this privacy statement carefully, this is a notice of your privacy rights. Rev. 12/2016
| FACTS | WHAT DOES NOTHERN SKY BANK 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 account balances 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 Northern Sky Bank chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information |
Does Nothern Sky Bank 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 |
NO | We Don't Share |
| For our affiliates’ everyday business purposes— information about your creditworthiness |
NO | We Don't Share |
| For non affiliates to market to you | NO | We Don't Share |
| Questions? | Call 218-281-1976 or go to northernskybank.com |
|---|
| Who we are | |
|---|---|
| Who is providing this notice? | Northern Sky Bank |
| What we do | |
| How does Northern Sky Bank 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. |
| How does Northern Sky Bank collect my personal information? |
We collect your personal information, for example, when you open an account or apply for a loan We also collect your information from others, 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 |
| Definitions | |
|---|---|
| Affiliates |
Companies related by common ownership or control. They can be financial and non financial companies. Northern Sky Bank has no affiliates |
| Non affiliates |
Companies not related by common ownership or control. They can be financial and non financial companies. Northern Sky Bank does not share with nonaffiliates so they can market to you |
| Joint marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Northern Sky Bank doesn't jointly market |