At Mackinac Savings Bank, we value the confidence and trust of our customers. In providing you our financial services, we are committed to maintaining the privacy and security of your "non-public" personal information. This Privacy Policy informs you why we collect your personal information, the kind of personal information we collect and how we collect, protect and share that information.

WHAT IS NON-PUBLIC PERSONAL INFORMATION?

Non-public personal information is information that we collect in providing you with a financial product or service and which is not available through public sources such as phone directories and government records.

We collect your non-public personal information:

• to provide requested products and services to you
• to conduct business
• to design and market new products to you
• to comply with laws and regulations

We may collect non-public personal information about you including:

• information about your identity including names, addresses, social security number and employment;
• information about your transactions with us such as account balances and transaction histories;
• information provided by credit reporting agencies such as credit worthiness, credit scores and payment records;
• information provided by third parties to verify information you have furnished us to obtain a loan or open a deposit account.

We grant access to your non-public personal information only to employees who need to know that information to properly serve you. We maintain physical, electronic and procedural safeguards that comply with federal standards and regulations to guard your information. We will continue to protect any non-public personal information we have obtained about you according to this Privacy Policy should you not become or cease to become a customer.

SHARING INFORMATION

We may share all your non-public personal information with non-affiliated third parties as permitted by law, including:

• providers of lending services and products in connection with processing, underwriting, closing, administering and selling loans;

• providers of deposit account services in connection with opening and administering such accounts;

• providers of marketing services on our behalf or other financial institutions with which we have joint marketing agreements;

• other financial institutions and merchants to verify balances;

• government entities in response to reporting requirements and subpoenas and court orders;

• others providing administrative services such as audit and fraud protection.