Online Privacy Statement

North Cascades Bancshares, Inc.
North Cascades National Bank

Our website has been designed to inform you about the many financial services, savings, and benefits available to you as a North Cascades National Bank customer. You can visit our site without providing any personal information.  At times, however, it may be necessary for you to provide us with personal information so that we may better serve you.

We recognize and respect your privacy expectations.  That’s why we want you to understand what information we collect and how we use it. We collect and use only the information necessary to provide the high level of customer service you can expect from NCNB. In this privacy statement, we explain what information we collect, how we use it, and the steps we have taken to ensure that the privacy of your financial information is protected.

What information we collect
We collect and use information necessary to serve you and administer your customer relationship. That includes collecting “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, affiliates, or others; and
• Information we receive from a consumer reporting agency.

What information we may disclose
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as required or permitted by law. For example, we may disclose nonpublic personal information about you to third parties in order to:

• Assist us in servicing your loan or account with us;
• Process or complete account transactions;
• Administer or enforce a transaction;
• Respond to subpoenas issued by government entities;
• Report account activity to consumer reporting agencies;
• Comply with laws and regulations;
• Design and improve our products and services;
• Print checks; and
• Collect debts.

When we enter a contractual agreement with a third party service provider, we prohibit them from disclosing or using our customers’ information for any other purpose.

Our security procedures
We take steps to safeguard your nonpublic personal information. We maintain strict policies and security controls to assure that information contained in our computer systems and files is protected. We restrict access to your nonpublic personal information to those employees who need to know that information to provide products or services to you or to perform their job. We train all employees to recognize and respect your privacy. We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect your nonpublic personal information. We will continue to review our internal security controls to safeguard your information as we employ new technology in the future. If you have any questions or concerns regarding our privacy policies and practices, please let us know. You may reach us by phone, mail, e-mail or in person.