MinnStar Bank N.A., your locally owned financial institution, is committed to protecting your privacy. We value the trust you have placed in us and will take every possible measure to ensure that your personal information remains personal. We value your business and hope you will remain with us for many years to come.

CATEGORIES OF INFORMATION THAT WE MAY COLLECT
We collect nonpublic personal information about you from the following sources:
• Information we receive from you on applications or other forms; and
• Information about your transactions with us, our affiliates, or others:
• Information we receive from a consumer reporting agency

"Nonpublic Personal Information" is nonpublic information about you that we may obtain in connection with providing a financial product or service to you. This could include information such as account balances, payment history, or overdraft history.

CATEGORIES OF INFORMATION THAT WE DISLCOSE
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

DISCLOSURE AS PERMITTED BY LAW
We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with which we have a joint marketing agreement:
• Information that we receive from you on an application or other forms, such as: your name, address, social security number, assets and income;
• Information about your transactions with us, our affiliates or others, such as: your account balance, payment history, parties to transactions and credit card usage; and
• Information we receive from a consumer-reporting agency, such as: your creditworthiness and credit history.

CONFIDENTIALITY AND SECURITY
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

If you have any questions regarding this policy, please contact a MinnStar Bank employee at the phone numbers listed below.

Good Thunder (507) 278-3630 - Lake Crystal (507) 726-2137 - Mankato (507) 625-6816