PRIVACY POLICY

1^ST STATE BANK
4805 TOWNE CENTRE BLVD
SUITE 100
SAGINAW, MI 48604
PHONE: (989) 799-7500

Confidentiality and Security of Nonpublic Personal Information. 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.

Nonpublic Personal Information We Collect . We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us, our affiliates, or others
• Information we receive from a consumer reporting agency

Information Shared Outside of Our Corporate Family. We do not share any nonpublic personal information outside of our corporate family except in the following limited circumstances, which are specifically required or permitted by law:

Joint Marketing We may disclose nonpublic personal information that we collect (as described below) to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. A “joint marketing agreement” is a written contract we have with another financial institution by which we partner with that institution to market either or both of the institutions' products or services.

The information that we may share includes:

•  Information provided by you (such as your income and work history), and

•  Information created by us or companies within our corporate family in the course of providing you with products and services (such as your account balance and payment history).

Our agreements with these parties require them to use your information responsibly and limit their ability to share your information with other parties, as required by law.

Other Limited Circumstances We are also permitted by law to disclose nonpublic personal information to companies outside our corporate family as permitted by law. As examples, we may disclose information to third parties to assist us in servicing your loan or account with us; to government entities in response to subpoenas; and to credit bureaus.

Nonpublic Personal Information We Disclose . We do not disclose nor do we reserve the right to disclose, any nonpublic personal information about our customers or former customers to anyone, except to other nonaffiliated third parties as permitted by law.

CUSTOMER ACCOUNT SECURITY PROCEDURES

We use proven technology and established procedures for keeping your information secure. Whenever we ask for personal information on our Website or Internet banking, we use Secure Socket Layer (SSL technology) to keep it confidential.

You may visit our website to find out about products and services, marketing information, and other opportunities without providing any information about yourself. We do gather data regarding visits to our Website, including domain name, pages visited, length of user sessions, etc., to evaluate the usefulness of our site.

The bank may use a software "cookie" when accessing our Website. No "cookie" will contain information that would enable anyone to contact you via telephone, email, or U.S. Mail. (A "cookie" is a small piece of information that a Website stores in the web browser of your computer and can later retrieve. A "cookie" cannot be read by a web site other than the one that set the "cookie". You can set your web browser to inform you when "cookies" are sent or to prevent "cookies" from being sent).

We do not knowingly solicit data from children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.

Notify Us of Inaccurate Information We Report To Consumer Reporting Agencies . Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address: 1st STATE BANK PO BOX 1468 Saginaw , MI 48605.

Member
FDIC