At North Valley Bank, we are committed to protecting the privacy of our customers. Our goal is to protect all personal and financial information you provide to us.  This is our privacy notice for our customers.  When we use the words "you" and "your" we mean the following types of customers:

• All of our consumer customers who have a continuing relationship with us.  A "consumer" is an individual (a person, not a partnership or corporation) who has a financial product or service with us for personal, family, or household purposes.  We have a continuing relationship (an ongoing relationship) with an individual who has the following types of products with us, such as:
• Deposit account
• Loan account
• Credit card
• Safe deposit box
• Lease we service
• Retail installment contract we hold and service
• Individual retirement account (IRA) where we act as custodian or trustee

Nonpublic Personal Information means information about you that we collect in connection with providing a financial product or service to you.  Nonpublic personal information does not include information that is available from public sources, such as government record or telephone directories.

An affiliate is a company we own or control, a company that owns or controls us, and a company that is owned or controlled by the same company that owns or controls us.  Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.

Sources For Collection of Information

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information from a consumer reporting agency
• Information about transactions with us
• Information about your transactions with nonaffiliated third parties

We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.

Our Security Measures

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with Federal Regulations to guard your nonpublic personal information.

Nonpublic Personal Information And Nonaffiliated Third Parties

We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with which we have a joint marketing agreement:

• Your name and address

Nonpublic Personal Information And Former Customers

We do not disclose nonpublic personal information about former customers.

Rev. December, 2006

Security Procedures North Valley Bank Uses to Protect Your Information

We maintain security standards and procedures to help prevent unauthorized access to confidential information about you.  We update and test our technology to improve the protection of and to assure the integrity of our information about you.  For our Internet Banking applications, we have implemented commercially reasonable security systems to protect personal information.  All information sent to us on these applications is encrypted during the transmission from you personal computer.  While you can use e-mail to contact us with questions or concerns, please note that e-mail may not be a secure method of communication.  We recommend that you do not send confidential information such as account numbers via e-mail.

In order to be certain that information is not provided to someone who is pretending to be you, we will establish security procedures from time to time to confirm your identity.  You must take reasonable precautions to maintain the confidentiality of any passwords or PINs (personal identification numbers) that you select or that are assigned by us.  We will not be responsible for any losses or damages if your actions or inaction contribute to someone else gaining access to your password(s) or PIN(s).

Questions or Concerns

If you have any questions or concerns about our privacy policy or how we safeguard your personal information, please contact us at

North Valley Bank
9001 North Washington Street
Thornton, Colorado 80229
303-452-5500
or send us an e-mail at nvbank@nvbank.com.

Member FDIC