The board of directors of New Market Bank has adopted this privacy policy. Bank management has carefully considered the policy in light of the bank's particular needs, including the bank's size, bank's involvement with third parties, affiliates, and the needs of our customers.

What Information is Collected, Used, and Retained
We collect, use, and retain nonpublic personal information about you only where we reasonably believe that it will help administer our business or to provide products, services, and other opportunities to you.

Non public personal information is personally identifiable financial information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal financial information includes information regarding your account balance, payment history, and overdraft history.

We collect nonpublic personal information (examples provided) about you from the following sources:

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

We use the information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your financial needs so that we can provide you with quality products and superior services.

We use and retain the information collected from you while you are a customer and for a period of time after you have discontinued the relationship or become an inactive customer as disclosed in this policy and as allowed or required by applicable law or regulation.

What Information is Disclosed and to Whom
We may disclose the nonpublic personal information that we collect (described previously) as indicated below.

We may disclose nonpublic personal information about you to nonaffiliated third parties that perform marketing services on our behalf or to other financial institutions with which we have a joint marketing agreement.

We are permitted under law to share specific information about your accounts or other personally identifiable data to either affiliates (companies related to us by common control or ownership) or non-affiliated third parties when:

1. You request it or authorize it;
2. The information is provided to help complete a transaction initiated by you;
3. The information is provided to a reputable credit bureau or similar credit reporting agency;
4. The disclosure is lawfully permitted or required (for instance, in accordance with the Right To Financial Privacy Act, the Treasury Department's Financial Record Keeping Regulation, a court order, or a regulatory examination);
5. Nonaffiliated third parties assist us in servicing your loan or account with us
6. The information we share with our affiliates is about our experiences or transactions with you or your account; and;
7. Any other circumstances that are permitted or required by law.

When we do share information with a non-affiliated third party, we carefully review the product or service being offered, and share only the minimum amount of information necessary to complete the transaction. When we conduct business with nonaffiliated third party service providers we require them to maintain similar standards of conduct regarding the privacy of nonpublic personal information provided to them.

We do not disclose your account number or a similar form of access number or code to nonaffiliated companies for the purpose of independent reuse such as telemarketing or direct mail marketing.

Safeguarding the Security of Customer Information
We maintain physical, electronic, and procedural information safeguards that comply with federal standards to guard nonpublic personal information. We continually evaluate and access new technology for protection information.

Employee Access to Information
Employee access to customer information is limited to those with a business reason to have access to such information. We educate our employees on the importance of maintaining confidentiality of customer information and will take appropriate disciplinary measures to enforce this privacy policy.

Maintenance of Accurate Information
We have established procedures to ensure that your financial information is accurate, current, and complete, in keeping with industry standards and federal law. Should you ever believe or question that our records contain inaccurate or incomplete information about you, please contact us by telephone at (952) 469-1600 or by the e-mail address provided on the about us page of this web site.

Disclosure of Privacy Policy to Customers
We want you to understand our commitment to privacy in our collection and use of customer information. We adopted this privacy policy, which we provide to you at the time you establish your relationship with us and every calendar year thereafter. If you have any questions about this policy or concerns about the privacy of your information, please contact us by telephone at (952) 469-1600 or by the e-mail address provided on the about us page of this web site.

Website Visitors

Visitors to the New Market Bank public Web site remain anonymous. New Market Bank does not collect identifying information about visitors to our site. New Market Bank uses standard software to collect non-identifying information about our visitors, such as:

1. Date and time our site was accessed
2. Pages viewed
3. Web browser used

New Market Bank uses this information to determine the level of interest in information available on our site. Visitors may elect to provide us with personal information via e-mail. This information is processed internally as appropriate, to handle the users' request. No information is transferred or sold to any other organization.

We do not disclose any non-public personal information about you to anyone, except as authorized by law.

Use of "Cookies"
New Market Bank uses a feature of most Internet Web browsers call a "session cookie" to assign a unique identification to your computer. Session cookies are files that your web browser places in your computer's virtual memory. These cookies are not written to your computer's hard drive. The session cookie is deleted from your computer's virtual memory when you exit your browser. We use these cookies to track your clicks as you go through our Online Banking and Bill Pay only.

New Market Bank only uses session cookies to track elapsed time of inactivity.