WE RESPECT YOUR PRIVACY

Respect Everyone is one of the Core Values of Western that guides us, every day, on how we conduct business. As a result, respect for your privacy is of utmost importance to us. We take this opportunity to describe how we collect, use and protect information about you, our accountholders, and your accounts. In this disclosure, you will find details about our privacy policies and procedures, as well as the opportunity to choose how certain information we collect about you and your account may be shared.

INFORMATION WE COLLECT
We collect, use and retain nonpublic personal information about you to help administer our business or to provide products and services to you. Nonpublic personal information is personally identifiable financial information that we obtain in connection with providing a product or service. Examples of nonpublic personal information include information regarding account balance, payment history, and overdraft history. We collect nonpublic personally identifiable information (examples listed) from the following sources:

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

INFORMATION WE DISCLOSE
We may disclose nonpublic personal information (examples listed above) to nonaffiliated companies that perform services on our behalf or to other financial institutions with which we have joint marketing agreements. We do not disclose nonpublic personal information about you to any other nonaffiliated third parties except as permitted or required by federal or state law.

We are permitted under law to share specific information about accounts or other personally identifiable data to our affiliates (companies related to us by common control or ownership). Information shared with affiliates is limited to our experience or transactions with you. Our affiliates include:

• Western State Bank
• Western Financial, Inc.
• Western Finance & Lease, Inc.
• Western Insurance, Inc.*

We do not disclose nonpublic personal information about former customers, except as permitted or required by federal or state law.

OUR SECURITY MEASURES
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.

VISITORS TO OUR WEBSITE
Visitors to our Website remain anonymous. We do not collect identifying information about visitors to our site. Information we do collect on this site includes:

• IP addresses and/or domain names, date and time the site was accessed, and the city, county and country from which the web page request is initiated are collected. This information is used to create summary statistics and to determine the level of interest in information available on our site.
• Information given by the site visitor in a Web form is collected to perform the services offered at the site. Services offered at the site include: online banking (and all related services thereof), account applications and email correspondence. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations.
• Some services offered on this website may require a link to another site to complete the service. Any information requested by another site will be governed by the privacy policy of that site, and any questions you have related to that site's use of information should be directed there. It is the intention of Western State Bank to partner with the most trusted sites on the Web to provide you with these services. If you have concerns regarding other sites linked from our website, please contact us.

Some areas of our Website may use a "cookie" temporarily stored in a visitor's computer memory (RAM) to allow the web server to log the pages visited within the site and to know if visitors have visited the site before.

ABOUT CHILDREN'S ONLINE PRIVACY
The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. Western State Bank 's websites and online services are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections, link to the Federal Trade Commission's website at http://www.ftc.gov/privacy/privacyinitiatives/childrens

For further information, the Federal Government has created a Website, Kidz Privacy (http://www.ftc.gov/bcp/conline/edcams/kidzprivacy), aimed at educating both parents and children about the dangers of the Internet and how to browse safely.

* Insurance Products are not FDIC insured.

CUSTOMER IDENTIFICATION PROGRAM DISCLOSURE

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license and other identifying documents.