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Your Privacy is Important to Us

Protecting your privacy is very important to all of us at Americana Community Bank. We want you to understand what information we collect and how we use it. In order to provide you with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all Americana Community Bank employees for the collection, use, retention, and security of nonpublic personal information. This policy applies to customers who obtain a product or service primarily for personal, family, or household purposes. If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice. If you have questions about these procedures or have a question about the privacy of your information, you should call us at 763-494-5600 or toll-free at 888-273-2707.

Our Security Procedures
We begin by safeguarding the security and integrity of customer information. We are committed to protecting the security and integrity of customer information through procedures and technology designed for this purpose. For example:

• We limit employee access to customer information to those who have a business reason to know this information. Employees are required to honor our service standards, which include standards to protect customer confidentiality;
• We maintain policies and procedures covering the proper physical security of workplaces and records;
• Our physical, electronic, and procedural safeguards meet or exceed federal standards regarding the protection of customer information;
• We require independent contractors and outside companies who work with us to adhere to strict privacy standards through their contracts with us;
• We use technological means (such as backup files, virus detection and eradication software, firewalls, and other computer software and hardware) to protect against unauthorized access or alterations to customer data;

Personal Information We Collect
We collect and maintain nonpublic personal information about you as a part of servicing your account and your customer relationship. In the course of serving you, we collect information about you from a variety of sources, such as:

• Information you provide to us on applications or forms, such as your income and accounts with others;
• Information about your transactions with us, our affiliates, or others;
• Information we receive from an outside company, such as a business or consumer reporting agency, regarding your credit history or employment status.

"Nonpublic personal information" is information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history. We use nonpublic personal information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your financial needs so that we can provide you with quality products and superior service.

Parties and Information We Disclose
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

Service Provider/Joint Marketing Exception
We may disclose all of the information we collect, as described in section titled Personal Information We Collect, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements.


Additional Ways to Limit Direct Marketing Offers

Credit Reporting Agencies - If you would like to stop credit reporting agencies from disclosing your information to companies who want to offer you credit or other products, call the following toll-free number and follow the directions on the recorded message: 1-888-567-8688 or visit www.optoutprescreen.com for more information.

Mail - The Direct Marketing Association's (DMA) Mail Preference Service lets you opt out of receiving direct mail marketing from many national companies for five years. When you register with this service, your name will be put on a "delete" file and made available to direct-mail marketers. However, your registration will not stop mailings from organizations that are not registered with the DMA's Mail Preference Service. To register with DMA, send your letter to:

Direct Marketing Association
Mail Preference Service
PO Box 643
Carmel, NY 10512

Telemarketing - The Federal Government has created the National Do Not Call Registry--the free, easy way to reduce the telemarketing calls you get at home. To register, or to get information, visit www.donotcall.gov, or call 1-888-382-1222 from the phone you want to register. You will receive fewer telemarketing calls within three months of registering your number. It will stay in the registry for five years or until it is disconnected or you take it off the registry. After five years, you will be able to renew your registration.

Email - The DMA also has an EMail Preference Service to help you reduce unsolicited commercial emails. To "opt out" of receiving unsolicited commercial email, use DMA's online form at www.dmaconsumers.org/offemaillist.html. Your online request will be effective for one year.