Privacy Policy
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

And

PRIVACY POLICY

Of

Superior National Bank & Trust Company


Subsidiary of:

Keweenaw Financial Corporation

Member FDIC

Equal Housing Lender
PURPOSE:

        This notice is provided to help you understand our policies on how we protect personal non-public information about you, how it may be used and your rights regarding this information. Our Privacy Policy applies to non-public personal information about individuals who inquire or obtain a financial product or service for personal, family, or household purposes. These products or services include deposit and loan accounts, safe deposit box, debit card, installment sale contracts which we hold or service and self directed IRA accounts where we act as custodian or trustee.

DEFINITIONS:

An “affiliate” is a company which we own or control or which owns or controls us or which is owned or controlled by the same company which owns or controls us. An affiliate includes a member bank of our holding company which provides financial services.

        A “nonaffiliated third party” is a person or entity that is not an affiliate of ours.

        “Non-public personal information” is information about you that we collect in connection with providing a financial product or service to you. Non-public information does not include information which can be obtained from government records or public sources such as telephone directories.

INFORMATION WE COLLECT:
        We collect non-public personal information from the following sources:

  1. Information you give us on applications and other forms;
  2. Information about your transactions with us, our affiliates and non-affiliated third parties;
  3. Information form consumer reporting agencies.

INFORMATION WE DISCLOSE:
        We may disclose the following kinds of non-public personal information about you:

  1. Information we receive from you on applications or other forms such as your name, address, social security number, assets and income;
  2. Information about your transactions with us, our affiliates or others such as types of accounts, account balances, account activity and parties to transactions;
  3. Information we received from a consumer reporting agency such as your creditworthiness and credit history.

CATEGORIES OF PARTIES TO WHOM WE DISCLOSE:
        Affiliates:

        We may disclose non-public personal information about your transactions and experience with us to our affiliates such as financial service providers that are member banks of our bank holding company.