Privacy Statement:

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. The following document further explains our policies and practices about Customer Privacy. This policy applies to all of our locations: Bitterroot Valley Bank, Clark Fork Valley Bank, Mullan Trail Banks and Two Rivers Bank.

Customer’s Right to Privacy

We expect our customers to trust us with personal information. In order to earn and keep that trust, we know that we need to keep this information confidential and private. We respect your privacy and will take all reasonable steps to protect that privacy.

Collection and Retention of Customer Information

The information we collect and retain about our customers is strictly limited to business purposes. We need to have certain information to provide and administer financial services to our customers. The nonpublic personal information we collect about you comes from the following sources:

Information we receive from you on an application or other bank forms;

Information about your transactions with us, or others;

Information from public records;

Information necessary to comply with State and Federal Regulations;

Information to assist us with improving products and services; and

Information we receive from consumer-reporting agencies.

We will be happy to explain our collection and retention requirements upon request.

Use of Information

We do not provide or sell information about our customers to outside organizations for marketing or other non-banking related activities.

All use of your non-public personal information is tied to a business purpose directly related to your banking relationship with the Family of Banks. In limited situations, we may disclose certain information about your account. For example:

Upon request by you, our customer;

If the information is necessary to complete your transaction(s);

To comply with State or Federal laws, regulations, or court orders;

To an account verification service, in addition to a credit reporting agency, if we close your account due to unsatisfactory handling, fraud, attempted fraud or criminal activity;

In response to an inquiry about sufficient funds to cover a check you have written;

To other companies, financial institutions, and networks which may be involved in processing your transactions (including transactions with your ATM or Debit card);

To local, state, and federal authorities, if we believe a crime may have been committed involving your account; or

To reply to a request from agents of the Bank (including auditors, examiners, and attorneys).

Maintaining Accuracy of Customer Information

We actively pursue keeping our customers information accurate and up to date. You are encouraged to contact one of our branches if you, our customer, believe the bank has incorrect or incomplete information. Upon notification, we will investigate and make any necessary corrections.

Employee Access to Customer Information

At the Family of Banks, we maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information. All employees are instructed to maintain our Privacy Standards. Employee training explains the importance of confidentiality in all customer interactions. Any employee found to be violating the Privacy Policy of the bank will be subject to disciplinary action.

Confidentiality in Business Relationships

Occasionally, we contract with a third party to assist us in servicing our customers. If these organizations are exposed to any confidential information, we require them to adhere to the same privacy standards as the Bank.

For More Information

We understand you may have concerns or questions about our Privacy Policy. We encourage you to call and have those questions answered. Please direct your inquiries to the Compliance Officer at 406-273-2400.