Page One Disclosure Table

• Middle column: Must provide a "Yes" or "No" response in each box that accurately reflects institution's information sharing policies and practices with respect to the reasons listed. Comment: "Yes" or "No" response limitation does not accommodate institution that currently does not share but reserves the right to share in the future under 332.6 (e) Future disclosures, or under FCRA creditworthiness affiliate sharing. In this case, "May share" or "We reserve the right to share in the future" is accurate.

• Right column: If answer in middle column is "No," response in right column must read "We don't share." Comment: No response limitation does not accommodate institution that currently does not share but reserves the right to share in the future under 332.6(e) Future disclosures, or under FCRA creditworthiness affiliate sharing. "We may share" or "We reserve the right to share in the future" with a corresponding "No" or "Yes (check your choices)" is accurate.

Barbara A. Eck
Vice President, Compliance Officer
North Star Bank, Roseville MN - "Your Financial Partner"
phone: 651.762.7378 fax: 651.762.7369