NOTICE OF YOUR

FINANCIAL PRIVACY RIGHTS

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

• All of our consumer customers who have a continuing relationship with us, such as:
• Deposit account
• Loan account
• Credit card
• Safe deposit box
• Retail installment contract we hold and service
• Self directed Individual Retirement Account where we act as custodian or trustee
• Home mortgage brokerage

We will tell you the sources for nonpublic personal info rmation we collect on our customers. We will tell you what measures we take to secure that info rmation.

We first define some terms.

We, our, and us means State Bank Northwest.

Nonpublic personal info rmation means info rmation about you that we collect in connection with providing a financial product or service to you. Nonpublic personal info rmation does not include info rmation that is available from public sources, such as telephone directories or government records.

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 company that is not an affiliate of ours.

THE INFORMATION THAT WE COLLECT

• We collect nonpublic personal info rmation about you from the following sources:
• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency
• We do not disclose any nonpublic personal info rmation about you to anyone, except as authorized by law.

THE CONFIDENTIALITY, SECURITY

AND INTEGRITY OF YOUR NONPUBLIC

PERSONAL INFORMATION

We restrict access to nonpublic personal info rmation about you to those employees who need to know that info rmation to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal info rmation.

NONPUBLIC PERSONAL INFORMATION

AND NONAFFILIATED THIRD PARTIES

Since we value our customer relationship with you, we will not disclose your nonpublic personal info rmation to nonaffiliated third parties, except as permitted by law.

NONPUBLIC PERSONAL INFORMATION

AND FORMER CUSTOMERS

We do not disclose nonpublic personal info rmation about former customers.