Customer information will only be disclosed to authorized account holders, and only after identification of that account holder has been verified. Verifying information may include social security number, date of birth, place of birth, mother's maiden name, signature, and/or other identifying information. If the information request is made over the telephone and we are uncertain about the identity of the person requesting the information, we will ask that the request be made in writing or in person.

First Western Bank & Trust employees will not share personal or financial customer information with unaffiliated third parties except when legally required (in order to comply with federal or state laws/regulations, and government or court orders) or when legally permitted to serve the customer's interests (such as disclosure to reputable credit reporting agencies). Information will only be disclosed to third parties under the following conditions:

• Where it is necessary to complete a transaction initiated by the customer.
• In order to report the existence and condition of an account to companies such as reputable credit bureaus.
• In order to comply with government or court orders.
• If we have the written permission of the account holder.

II. COLLECTION, RETENTION AND USE OF INFORMATION First Western Bank & Trust may collect, retain and use personal information about customers (for example, we will obtain a credit report for an auto loan), but only as we believe is reasonably useful in administering our business and to provide products, services and other opportunities to customers. We 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
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

III. MAINTENANCE OF ACCURATE INFORMATION
We will correct known inaccurate information in a timely manner.

IV. EMPLOYEE ACCESS TO INFORMATION AND ENFORCEMENT
All First Western Bank & Trust employees are educated on the importance of confidentiality and customer privacy. They are thoroughly trained to learn and follow our Privacy Policy. Employees with access to customer information are required to adhere to the Privacy Policy.

Any employee that violates the Privacy Policy will be subject to disciplinary measures (warnings, suspensions, reprimands) and possible termination of employment.

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 to guard your nonpublic personal information.

V. NONPUBLIC PERSONAL INFORMATION
Nonaffiliated Third Parties
Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted or required by federal or state law or authorized by you.

Former Customers
We do not disclose nonpublic personal information about former customers, except as required by federal or state law, or authorized by you.

VI. INTERNET INFORMATION
First Western Bank & Trust recognizes the trust you have placed in us and our responsibility regarding your financial privacy. It is our responsibility to keep your sensitive financial and personal information confidential. We've always had a formal policy to help protect your privacy.

With the surge in Internet use, it has become even more crucial that we take steps to assure that your private information remains private. First Western Bank & Trust's Privacy Principals include:

• Web site security
• Web site privacy
• Giving you control of your personal information

Web Site Security
First Western Bank & Trust has implemented technology to help assure that any sensitive personal information you provide us or any account information you receive online is done in a safe and secure manner. Special secure-connection hardware and software (commonly called "firewalls") are in place to help assure the security of online communication of your information.

Additionally, we have implemented procedures to help assure that only authorized First Western Bank & Trust employees may view the information you share with us. This is accomplished by limiting access to that information (via access capability and password control) to only those employees having a legitimate business purpose for viewing or responding to your information or inquiries. This is the same procedure we follow for our customers that utilize other banking methods, such as telephone banking.

Web Site Privacy
Our web site includes sections that are public (not password protected) and areas that are password protected (for example, individual customer banking areas).

When any person visits the public areas of our web site, we may collect certain basic information, such as how many people visited our site and what pages were visited.

Unlike the personal information that you provide and view with respect to your personal banking relationship (which is subject to the security procedures described above), all of the information we may gather in the public areas of our web site is general. We use this general information to determine which parts of our web site are most popular, how people access our site, how we can improve the content of our web pages and how we can improve service to our customers.

Also included in First Western Bank & Trust's web site is the capability for you to correspond with us. This correspondence, via e-mail, may be for the purpose of asking general questions or requesting literature. These activities may include sharing some personal information about you with First Western Bank & Trust. We collect the e-mail addresses of those who correspond with us via e-mail and any information you provide us, for example site registration or survey information.

WHETHER OR NOT YOU ARE A CUSTOMER OF FIRST WESTERN BANK & TRUST, WE WILL COLLECT PERSONAL INFORMATION FROM YOU IF, AND ONLY IF, YOU VOLUNTARILY PROVIDE THAT INFORMATION TO US. IT IS OUR POLICY THAT WE WILL NOT SELL OR SHARE INFORMATION THAT WE COLLECT FROM YOU.

Your Control of Your Personal Information
We do not share information with any third parties (other than as required by law, regulation or contractual obligations), so you should not receive information from another company as a result of providing information to First Western Bank & Trust. If you provide us with your postal address you may receive periodic mailings from us with information on products, services or upcoming events. We encourage you to request any marketing information that interests you from First Western Bank & Trust.

In circumstances where you provide personal information (for example, e-mail address, name or postal address), and you do not wish to receive e-mail or product information from us in the future, please let us know by indicating your preference on our site, sending us an e-mail or writing us at our address at the bottom of this page.

VII. FURTHER INFORMATION REGARDING FIRST WESTERN BANK & TRUST'S PRIVACY
You may receive a printed copy of this Privacy Statement by sending us an e-mail, writing, calling or requesting in person at the address below. This statement addresses our policies including Internet information and internal customer information. Inquires or comments should be addressed to:

President
100 Prairie Center Drive
Eden Prairie, MN 55344