Our Commitment

Protecting your financial privacy is extremely important to Beartooth Bank. We will maintain the confidentiality of your information as described in this Privacy Policy. Our Board of Directors has adopted this Privacy Policy so that you will understand what information we collect and how we use it.

“Nonpublic personal information” is nonpublic information about you that we may obtain in connection with providing a financial product or service to you. This could include information such as account balances, payment history, or overdraft history.

Nonpublic Personal Information We Collect

We collect 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, our affiliates or others
• Information we receive from a consumer reporting agency

We collect and retain certain information about you for the following reasons:

• To protect your account and to identify you when we conduct business with you
• When the information will help us in servicing your accounts and products
• To provide you with products and services that will best assist you or to help us understand your financial needs as we design or improve our products and services
• To comply with certain laws and regulations that apply to us

Information We Disclose

We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Affiliates - Our “affiliates” include iTech, which provides data processing services for your accounts; and Zee Creative, which is our Internet provider. We are permitted under law to share information about our experiences or transactions with you or your account with our affiliates. We do not share information about you or your accounts that we receive from consumer reporting agencies.

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

Third Parties - Many times it is necessary to utilize other companies that provide services necessary to your banking relationship with Beartooth Bank. We are permitted under law to disclose nonpublic personal information about you to “nonaffiliated third parties,” that is, third parties that are not members of our corporate family, in certain circumstances. These companies act on our behalf when they provide services and are not authorized to use the information for any other purposes. For example, we may disclose nonpublic personal information about you to third parties that print your checks, provide credit insurance products, or provide technical assistance with our software programs. We may provide your name and address to companies that mail information to you about our own products and services. We do not share medical information that we may obtain in insurance applications or claims to anyone, except for the purposes you have authorized. We do not sell or share customer information to unrelated third parties to use for their own purposes.

We may also provide information:

• When you authorize us to release information
• To consumer reporting agencies
• To comply with a law, regulation, court order or subpoena
• To verify the existence of your account and general information about the condition of your account for a merchant or other financial institution
• In response to an inquiry about whether a check you have written will clear
• To local, state and federal authorities if we believe a crime may have been committed involving your account
• To our independent auditors, consultants, attorneys and other regulators
• To other parties when it is necessary or helpful in completing a transaction you initiate including other financial institutions and networks involved in processing your transactions

Our Security Procedures

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 train our employees about the importance of maintaining the confidentiality of customer information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Maintaining Accurate Information

We continually strive to maintain complete and accurate information about you and your accounts. If you ever believe that our records contain inaccurate or incomplete information about you, please let us know immediately. If we report any inaccurate information about your account(s) to a consumer reporting agency, please send a written notice describing the specific inaccuracy to us at: Beartooth Bank, 4130 King Ave West, Billings, MT 59106. We’ll correct any inaccuracies as quickly as possible

Policy Changes

We reserve the right to change this policy from time to time, but we will not do so without notifying you of any change.

When using online banking, Beartooth Bank safeguards your information according to established security standards and procedures in order to keep your financial information secure and confidential. In addition, we continually assess new technology for protecting information and have external vendors perform regular audits of our system. The result is a "distributed security" network, one that ensures protection throughout the banking process, on your computer, during the transmission of information, and in the bank's own computer systems.