Bank of Montana -- Privacy Policy

Privacy Disclosure

Bank of Montana
125 Bank Street
Missoula, MT 59802

Protecting your privacy is important to Bank of Montana and our employees. We want you to understand what information we collect and how we use it. In order to provide our clients with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all Bank of Montana employees for collections, use, retention, and security of nonpublic personal information. “Non personal information” is personally identifiable financial information about you that we obtain in connection with providing a financial product or service to you.

INFORMATION WE COLLECT ABOUT YOU
We collect nonpublic personal information about you from the following sources:
-Information we receive from you on applications or other forms,
-Information about your transaction with us, our affiliates, or others
-Information we receive from a consumer-reporting agency

NO DISCLOSURES OUTSIDE OF EXCEPTIONS
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.
We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you 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.

CONFIDENTIALITY AND SECURITY
We also take steps to safeguard customer information. We restrict access to your personal and account information 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.

If you decide to close your account (s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Transaction Account Guarantee Program Disclosure:

Bank of Montana is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through June 30, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

The FDIC will protect NOW accounts in full if the interest rate does not exceed 0.5 percent. Swept or transferred funds from your noninterest-bearing transaction accounts may be subject to insurance limitations. The FDIC will protect public deposits up to the $250,000 limit under its general deposit insurance rules.
Bank of Montana does offer accounts with interest in excess of 0.5 percent.
Please check with our COO Deana Carlson or call (406) 829-2662, if you have questions regarding your FDIC cover

age.