At Western Bank (the “Bank”) the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with Western Bank, and we want to treat that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised.

Western does not, has not, and will not sell confidential information on any of our customers. We know that our customers expect the information they give us to remain confidential. In fact, keeping information confidential is nothing new to us. We have reinforced the importance of confidentiality for years.

At the same time that we maintain standards to ensure that your information is private and secure, we want to also offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.

• Name and address
• Social Security number
• Information from consumer reports such as a consumer’s credit worthiness and credit history.

• Assets and income
• Debt

• Account balance
• Payment history
• Parties to the transaction
• Check card, cash card and credit card usage

We will limit the use and collection of information about our customers to that which is necessary to administer to your needs, to provide superior service, to create convenience and more choices, to create and/or offer opportunities that we think will be of interest to customers, and to administer to our business. We also gather information to comply with laws and regulations that govern the financial services industry.

One of the most important reasons we gather information is to protect you. We need to be able to identify you and your products and services to prevent access by unauthorized persons. This is why we may ask to see identification or ask you for your social security number or other information to verify your identity. We will use information only in accordance with the principles set out in this policy.

EMPLOYEE ACCESS TO INFORMATION AND ENFORCEMENT

The Bank limits employee access of customer personal information to only those Bank employees with a business reason for knowing such information.

SAFEGUARDING THE SECURITY OF CUSTOMER INFORMATION

The Bank is committed to the security of your financial and personal information. We restrict access to nonpublic personal information about you and only provide it to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with applicable federal standards and regulations to protect your nonpublic personal information.

RESTRICTIONS ON DISCLOSURES OF ACCOUNT INFORMATION

The Bank will not disclose any non-public personal information obtained in our course of business except as required or permitted by law. Permitted or required disclosures include, but are not limited to, information provided to consumer reporting agencies (credit bureaus) and others who need to know that information to assist us in providing our services to you. In these situations we stress the confidential nature of the information shared.

We will continue to adhere to the privacy policies and practices described in this notice even after your account is closed or becomes inactive.

MAINTENANCE OF ACCURATE INFORMATION

We value our customer relationships. Keeping your account information accurate and up to date is very important. We continually strive to maintain complete and accurate information about you and your accounts. If you have any questions, or if you ever find that your account information is incomplete, inaccurate or not current, please write us at the address listed on your account statement or contact us at:

1-800-219-9894

E-mail address: customerservice@western-bank.com
Website address: www.western-bank.com

Western Bank
Attn: Customer Service
P.O. Box 64689
St. Paul, MN 55104

We will investigate your concerns and correct any inaccuracies. We also pledge to respond to requests to correct inaccurate information.

Thank you for Banking at Western!