Privacy Policy | Northern Sky Bank

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 Credit history and transaction history Payment history and account information 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 make a wire transfer or show your government issued ID make deposits or withdrawals from your account 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 affiliates from using your information to market to you sharing for non affiliates to market to you

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

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