INTRODUCTION

This Notice is intended to describe how we collect, maintain and disclose customer and financial information.  This Notice may be amended from time to time in our discretion.  If you have any questions, comments or complaints about the privacy of information about you, please contact us at the Black River Country Bank, 221 Main Street, Black River Falls, WI 54615 or 715-284-9448, (toll free 877-284-3575).

COLLECTING INFORMATION ABOUT YOU

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

• Information we receive from you on applications or other forms, such as your name, address, social security number, telephone number, assets and income.
• Information about your transactions with us, our affiliates, or others, such as your account balance, account activity, payment history, parties to transactions and credit card usage; and
• Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

COLLECTING INFORMATION ON OUR WEB SITE

No personal information is collected or retained by us when you browse our web site.

DISCLOSURE OF INFORMATION ABOUT YOU

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.  We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

CONFIDENTIALITY AND SECURITY

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.