February 2008

This notice accurately summarizes our policies and procedures regarding the collection, use, retention, and security of nonpublic personal information concerning those customers of ours who obtain a financial product or service from us that is to be used primarily for personal, family, or household purposes.

WHAT INFORMATION WE COLLECT:

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other loan or account forms
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from third parties such as a consumer-reporting agency.

Nonpublic personal information is any personally identifiable financial information about you that we may obtain in connection with providing a financial product or service to you that is not publicly available. This could include information such as account balances, payment history and overdraft history.

WHAT INFORMATION WE DISCLOSE:

We do not disclose, and do not reserve the right to disclose, nonpublic personal information about our customers or former customers to any affiliates or to any third parties, except as permitted by law. We are permitted under law to disclose nonpublic personal information about you to our affiliates and third parties in certain circumstances.

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.

OUR SECURITY PROCEDURES:

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 Tightwad Bank at 620-699-3811.