THE LAKE BANK

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THE LAKE BANK
613 First Avenue
Two Harbors, Minnesota 55616
Phone: (218) 834-2111
Fax: (218) 834-4753
Email: info@thelakebank.com

Lake Bank recognizes the importance of our customers' security and privacy. We respect our customers' right to keep their financial information private.

The Lake Bank has, and maintains, appropriate security standards and procedures regarding unauthorized access to customer information.

The Lake Bank collects, retains, and uses information about individual customers only when we believe it would be useful (and allowed by law) in administering our business and to provide products, services, and other opportunities to customers. This information is obtained from application information, transaction information, and consumer information..

The Lake Bank is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards, Additionally, each bank employee is required to follow our bank's code of conduct, which states that all customer information is considered private and privileged and is to be used by them solely for the purpose of providing you with our services.

The Lake Bank must disclose certain nonpublic personal information about our customers to nonaffiliated third parties who provide services on our behalf, such as the company that performs the data servicing on our deposit and loan accounts. Although this disclosure is not subject to the opt out option, we do require that the servicer maintains the confidentiality of the information to at least the same extent that we must maintain and will not use or further disclose the information for any other purpose.

At this time, The Lake Bank does not maintain any other web sites linked to our web site. Consequently, we do not guarantee that links from our website will follow the same privacy and security rules that we follow.

The Lake Bank will continue to provide customers with an understanding of its privacy principles. We would like to provide you with any information you may need in regards to our privacy principles and encourage you to contact us with your questions or comments.

©2005 The Lake Bank.