You are asked to provide us with personal information that helps us give you better service and complete your transactions more effectively. Safeguarding the information you have provided to us is extremely important to us and therefore we developed the following policy to protect your privacy.

"We", "our", and "us", when used in this notice, means North American State Bank. 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: Deposit Accounts, Loan Accounts, Safe Deposit Box, Former Customers.

Nonpublic personal information means information about you that we collect in connection with providing a 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.

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.

Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

We collect nonpublic personal 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 affiliates
Information about your transactions with nonaffiliated third parties
Information from a consumer reporting agency
Information we receive through our Customer Identification Program

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 decide to close your account(s) or become an inactive customer, we will follow the privacy policies and practices as described in this notice.

NONPUBLIC PERSONAL INFORMATION AND AFFILIATES
We may disclose nonpublic information about you to the following types of affiliates to provide our customers with information on additional products and services:
Financial service providers, such as: Insurance Agents, Securities Broker-Dealer

We may disclose the following kinds of nonpublic personal information about you to our affiliates:
Transaction and experience information from our account records:

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED PARTIES
We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law.

YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR NONPUBLIC PERSONAL INFORMATION
We are permitted to disclose nonpublic personal information about our transactions or experiences with you to affiliates. You do not have the right to opt out of the disclosure of this particular type of information. We may disclose other nonpublic personal information to our affiliates (that is, nonpublic personal information beyond our transactions and experiences with you), unless you tell us to not disclose this other nonpublic personal information.

Your decision to block the disclosure of your nonpublic personal information will apply to all products and services you receive from us. Remember, though, that your opt out will not apply to the information we share that is related to your actual transaction and experience with one of us, which we make available to our affiliates.

If you have a joint account, an opt out instruction given by one participant of this account will affect all participants of the account.

If you previously sent us an opt out, then we will continue to apply your instruction to the information you asked us not to share. You do not need to return another opt out form.

If you wish to opt out of disclosures, you may do so by contacting any North American State Bank employee or writing to us at any North American State Bank location:

CHILDREN'S PRIVACY
Our web site is directed to a general audience. We do not knowingly solicit or collect personal information from children on our site.