PRIVACY

Client privacy is a top priority of Winona National Bank. We work hard to earn your trust, and we will strive to protect your privacy at all times.

Information We Collect:
We may collect, retain, and use nonpublic personal information about you from the following sources:

• Information such as name, address, Social Security number, assets, and income that you provide on applications or other forms
• Information about your transactions with us, our affiliates, or others, such as account balance and account history
• Information we receive from third parties such as credit bureaus
• Information you provide when you visit our Web site.

Information We Disclose:
We may disclose all the information we collect to our financial service affiliates, such as banks, securities broker-dealers, and insurance agents. We do not disclose any nonpublic personal information about clients or former clients except as permitted by law.

Disclosure as Permitted by Law:
We may disclose all the information we collect as described above to service providers and companies that perform marketing services on our behalf.

Confidentiality and Security:
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 also maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

On-line Privacy
Our Web site does not use "cookies" but does provide Web site users the opportunity to contact us via a secure form. Our Internet Banking product uses cookies only to the extent necessary to accomplish the customer’s transactions and other activities. The Web site is aimed at a general audience, and we do not knowingly solicit or collect information from children. (For more information about the Children’s Online Privacy Protection Act (COPPA), visit the Federal Trade Commission Web site at www.ftc.gov.)