Financial Privacy Rights

NOTICE OF YOUR

FINANCIAL PRIVACY RIGHTS

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

All of our consumer customers who have a continuing relationship with us, such as:

Deposit accounts
Loan accounts.

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

We first define some terms.

We, our, and us means North Adams State Bank.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you . Nonpublic personal information does not include information that is available fro 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 company that is not an affiliate of ours.

Information we receive from you on applications or other forms
Information about your transactions with us
Information about your transactions with nonaffiliated third parties
Information from a consumer reporting agency

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 prcedural safegards that comply with federal regulations to guard your nonpublic personal information.

Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, exept as permitted by law

Note:

The contents of external links within North Adams State Bank's website do not represent the bank, and the bank may not be held liable for any content in those links.

(Caution--not a secure e-mail transmission)

For secure electronic communications utilize our

convenient Internet Banking Service

Equal Housing Lender