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 Account
• Loan Account
• Safe Deposit Box

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, our and us means the State Bank of Bellingham.

Non-pubic personal information means information about you that we collect in connections with providing a financial product or service to you. Non-public 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 non-affiliated third party is a company that is not an affiliate of ours.

The Information We Collect

We collect non-public personal information about you from the following sources:

• Information we receive from you on applications or other forms.
• Information about your transactions with us.
• Information about your transactions with non-affiliated third parties.
• Information from a consumer reporting agency.

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

The Confidentiality, Security and Integrity of Your Non-Public Personal Information

We restrict access to non-public 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 regulations to guard your nonpublic personal information.

Non-Public Personal Information and Non-Affiliated Third Parties

Since we value our customer relationship with you, we will not disclose your · nonpublic personal information to non-affiliated third parties, except as permitted by law.

Non-Public Personal Information and Former Customers

We do not disclose non-public personal information about former customers.