WHAT DOES DNB NATIONAL BANK AND ITS SUBSIDIARIES (“DNB”) DO WITH YOUR PERSONAL INFORMATION?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security Number and Income
• Income, Account Balances and Transaction History
• Credit History and Credit Scores

When you are no longer our customer, we continue to share your information as described in this notice.

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons DNB chooses to share; and whether you can limit this sharing.

For our everyday business purposes-
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus

Yes

No

For our marketing purposes-
to offer our products and services to you

No

No

For joint marketing with other financial companies

No

We don't share

For our affiliates’ everyday business purposes-
information about your transactions and experiences

Yes

No

For our affiliates’ everyday business purposes-
information about your creditworthiness

Yes

Yes

For our affiliates to market to you

Yes

Yes

For non-affiliates to market to you

No

We don't share

Call 605 874-2191 – our frontline staff will help you with your choice(s).

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we can continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Call 605 874-2191 or visit our website www.dnbanks.com.

Who is providing this notice?

Companies within DNB National Bank that have adopted this Privacy Statement are DNB National Bank, DNB Insurance Inc., and DNB Solutions, Inc.

How does DNB protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also limit access to information to those employees for whom access is necessary.

How does DNB collect my personal information?

We collect your personal information, for example, when you

• open an account or deposit money
• pay your bills or apply for a loan, or insurance policy
• use your debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

• sharing for affiliates’ everyday business purposes – information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply individually – unless you tell us otherwise.

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Our affiliates include companies with a DNB name.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• DNB does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• DNB does not jointly market.