Viking State Bank And Trust's Customer Information Privacy Principles At Viking State Bank & Trust, our mission is to meet the desire of our customers. As financial service professionals entrusted with sensitive financial information, we respect the privacy of our customers and are committed to treating customer information responsibly. Our Customer Information Privacy Principles serve as a standard for all Viking State Bank & Trust employees for collection, use, retention, and security of individual customer information. Visitors to the Viking State Bank & Trust web site remain anonymous. We do not collect personal identifying information about site users, unless you choose to provide such information to us. This information is used internally, as appropriate, to handle the sender's request and manage the Viking State Bank & Trust web site. It is not disseminated or sold to other organizations. Viking State Bank & Trust has a number of links to other sites. These are offered as a courtesy and a convenience. Viking State Bank & Trust assumes no responsibility for the content, safety, security, or privacy of any such site or any transactions with respect thereto. If you have questions or concerns about any other site's policy regarding these matters, you should contact that site or its sponsor. At Viking State Bank & Trust, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers' trust. Thus, the safekeeping of customer information is a priority for Viking State Bank & Trust. Information about customers is accumulated from a variety of sources. Some information is provided to Viking State Bank & Trust directly by customers themselves. Other data is developed by Viking State Bank & Trust as a function of providing a product or service to a customer. Still other information is obtained from outside sources. We will limit the use and collection of information about our customers to that which is necessary to administer our business, provide superior service, and offer opportunities that we think will be of interest to customers. This means that we will use information to help us identify and mitigate potential risk or loss to Viking State Bank & Trust. We will use information to help identify additional products or services, which we believe customers might want to know about. We will use this information only in accordance with the principles set out in this Policy. We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies. At Viking State Bank & Trust, employees are educated on the importance of maintaining the confidentiality of customer information and on these Privacy Principles. Because of the importance of these issues, all Viking State Bank & Trust employees are responsible for maintaining confidentiality of customer information. Viking State Bank & Trust 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. We do not reveal specific information about your accounts or other personally identifiable data to parties outside our affiliated banks and companies for their independent use unless: 1) you request or authorize it; 2) the information is provided to help complete a transaction initiated by you; 3) the information is provided to a reputable credit bureau or similar information reporting agency; or 4) the disclosure otherwise is lawfully permitted or required. We do not provide account or personal information to non-Viking State Bank & Trust companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies. When the Bank conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them. Viking State Bank & Trust recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed these Privacy Principles which are made readily available to our customers. Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call Viking State Bank & Trust at 563-387-0191 or write us at PO Box 429, Decorah, IA 52101.