* Effective Nov. 1, 2001

NOTICE OF YOUR FINANCIAL
PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Oostburg State Bank.

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

• Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a:
  • Deposit account
  • Loan account
  • Credit card account
  • Safe deposit box
  • Retail installment contract we hold and service
  • Self-directed Individual Retirement Account
  • Mortgage brokerage services

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency

INFORMATION WE DISCLOSE ABOUT YOU

We do NOT disclose any information about you to anyone, except as permitted by law. This might include disclosures necessary to service your account, perform joint marketing or prevent unauthorized transactions.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to 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 to protect this information.

INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

Internet Policy

We recognize and respect your need for privacy and security as you visit our site. When you visit our site to view any pages, read product information, or use our on-line calculators and tools, you do so without telling us who you are and without revealing any personal information. While we do not collect identifying information about visitors to our site, we do use standard software to collect information for the strict purpose of tracking activity on our site. This allows us to better understand how many people use our site and which pages and features are most popular. The only information we normally collect and store is:

• The name of your Internet service provider. 

• The web site that referred you to us (if any). 

• The date and time the pages were accessed. 

• The page or pages you requested. 

There are instances where you may elect to provide us with personal information. If you fill out one of our feedback or request forms or send us email, you are transmitting the information that appears to you in the form or the message. This will typically include information like your name, mailing address, email address, the kind of request you are making, and any other information necessary to fulfill your request. You never transmit personally identifying information that you do not enter yourself. And this is always your option; this information cannot be collected unless you specifically elect to send it to us. This information is used internally only for the purpose of fulfilling the request or for contacting you directly and is not given or sold to any other organization.

Email Security Information

Email is not a secure transmission route. Thus we ask that you never send sensitive personal information like Social Security numbers, Account numbers, Credit Card numbers or any type of password via email to Oostburg State Bank or anyone else. Please use one of our secured forms or a telephone call when submitting this information. 

When you submit personally identifying information via one of our feedback or application forms, that information is also encrypted, or scrambled, by your browser before it is transmitted back to our web site. This effectively prevents anyone from intercepting and reading any personal information about you. Note that this encryption does not take place if you send us email, but only when you use your web browser with one of our site's forms. 

We hope you find our website useful and informative and are always willing to answer questions and receive suggestions. If you have either, please contact the institution. Thank you.

* We reserve the right to change our privacy policy. A revised policy statement will only apply to data collected subsequent to its effective date. Any revisions will be posted at least 30 days prior to its effective date.