Midland National Bank Privacy Statement

Midland National Bank respects your privacy. We are committed to safeguarding the privacy of information we may have about you as a customer or visitor to our web site. Midland National Bank recognizes that you have a reasonable expectation of privacy, and we recognize the importance of protecting that privacy. Midland National Bank has a long-standing history of protecting confidential information about you and your transactions.

OUR PRIVACY COMMITMENT TO YOU
We recognize, respect and protect the personal privacy rights of all our customers. We realize that our customers entrust us with personal information and it is our policy to maintain our customers' information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers' personal information, as well as personal information of all consumers who visit our bank and or our website.

CONFIDENTIALITY AND SECURITY OF NONPUBLIC PERSONAL INFORMATION
We restrict access to nonpublic personal information about you to those employees who need to know that information in order 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.

NONPUBLIC PERSONAL INFORMATION WE COLLECT
We may 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 or others.
• Information we receive from a consumer reporting agency.
• Information about your visit to our website, including:
  • The name of the domain from which you access the Internet (for example, msn.com if you are connecting from the Microsoft Network or aol.com if you connecting from America Online).
  • The Internet address of the Web site from which you linked directly to our site, if any (for example, www.yahoo.com if you find us using the Yahoo search option).
  • The type of web browsing software you are using to view our site such as Netscape Communication or Microsoft Internet Explorer.
  • The date and time you access our site.
  • The pages you visited
• Information we receive in E-mail correspondence from you.
  • We may preserve the content of your e-mail, your e-mail address and our response so that we can better serve you. Depending on the content of your e-mail, we may be required by existing laws and regulations to keep this information.
  • If you send e-mail to us, please remember that e-mail is not secure against interception. If your e-mail contains information that is very sensitive or includes personal information such as account numbers, charge card number or social security number you may want to call us or send this information via postal mail.

NONPUBLIC PERSONAL INFORMATION WE DISCLOSE
We do not disclose any nonpublic personal information about you to anyone, except as permitted by law. If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.