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

Our consumer members who have a continuing relationship by purchasing or holding financial products or services such as a(n): Share account Loan account Credit card account Safe deposit box

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms.

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 from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."

We collect information about you from the following sources:

	Information you give us on applications or other forms
	Information about your transactions with us
	Information about your transactions with other parties
	Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY, AND
INTEGRITY OF YOUR INFORMATION

We restrict access to 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 to protect this information.

YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. This might include disclosures necessary to service your account, perform joint marketing or prevent unauthorized transactions.

INFORMATION ABOUT FORMER MEMBERS

We do not disclose information about former members, except as permitted by law.

AUTHORIZED SHARING - JOINT MARKETING

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

Information you give us on an application or other forms, such as: Name Address

We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.

State Limitations

AL, AK, ID and VT - We will not share this information about members who reside in Alabama, Alaska, Idaho or Vermont.

MA, MS and NJ - We will not share any information derived from share relationships with us about members who reside in Massachusetts, Mississippi or New Jersey.

Types of Businesses

We may disclose information pursuant to joint marketing agreements to the following types of businesses:

Financial service providers, such as: Insurance agents

Reasons For Disclosing

We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services.

YOUR INFORMATION AND AFFILIATES - FUTURE CHANGES

In the future, we may disclose information about you to affiliates, even though we are not doing so now. Here are the kinds of information we may disclose to our affiliates:

Transaction and experience information from our account records:

Information about your transactions and experience with us, such as: Name Address Types of accounts

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

We may disclose information about you in the future to the following types of affiliates:

Financial service providers, such as: Bankers

Reasons For Disclosure

We may disclose information about you to our affiliates in the future to provide you with information about additional products and services.

YOUR INFORMATION AND OUTSIDE MARKETING SERVICES - FUTURE CHANGES

In the future, we may disclose information about you to outside marketing services, even though we are not doing so now. Here are the kinds of information we may disclose to these services:

	Information you give us on an application or other forms, such as: Name Address Age
	Information about your transactions with us, such as: Types of accounts

You may not opt out of the disclosure of this information.

Types of Outside Marketers

We may disclose information about you in the future to the following types of outside marketers:

Service providers that perform marketing services for us: Direct sales companies

Reasons For Disclosure

In the future we may disclose information about you to companies that perform marketing services on our behalf to provide you with information about additional products and services.

Limitations on Disclosure

Here are the limitations we will impose on the use of information disclosed to companies that perform marketing services on our behalf:

	We only allow direct mail solicitations.
	We do not allow telephone solicitations.

BSS278
� 2000 Bankers Systems, Inc., St. Cloud, MN
Form PRIV-DISC-CU 9/4/2001 1.8.1/1567