What You Need to Know

At Viking Savings Bank, your relationship with us is important, and we want you to understand our policies and practices about handling information. We respect your financial privacy and comply with laws and regulations designed to secure that privacy. We keep confidential any information about you, and require that companies that provide products and services for us do the same. We do not disclose information about our current or former customers with any affiliates or non-affiliated third parties, except as permitted by law. We do not sell or share customer information with any marketing companies, so you do not need to tell us not to. "Information" means nonpublic, personal financial information.

Information About You:

To establish and maintain your account(s) we will collect and/or retain information that may include:

1. Information on deposit and loan applications and forms, such as your name, address, telephone number, social security number, annual income, current and past employers;

2. Deposit and loan account balances and histories with us;

3. Information about your transactions with non-affiliated third parties; and

4. Information from consumer reporting agencies that may include your credit and deposit account histories. In order to better serve you, we also may retain information about the types of products and services that you purchase from us to learn about your financial needs and interests.

We may share this information about you with our subsidiaries and certain non-affiliated companies that are our agents. We do this to provide products or services to you, or because these companies help us perform necessary business functions or services. This sharing is permitted by law. Such agents are required to keep confidential any information about you that we give them. We will obtain your permission to disclose information to any other companies or persons.

Safeguarding Information About You:

Information that we have about you is available to our employees and agents on a "need to know" basis so that they can do their jobs. We train our employees to protect information that we have about you. We prohibit our employees and agents from giving information about you to anyone in a manner that would violate any applicable law or our privacy policy. We do not provide information about you to anyone without first verifying who they are and that they may have legal access to the information. We also have a disaster preparedness program to secure this information in case of natural disasters, hazards or threats. Our security and confidentiality procedures are routinely tested to make sure they work.

Accuracy of Information:

We ask that you contact us at our phone number or address to correct, complete, or change, any of your information that you find is inaccurate, incomplete or not current.

Ending Customer Relationship:

When you end your customer relationship with us, or when we end our customer relationship with you, we will treat the information we have about you as if you were still our customer.

This policy is provided to you as required by law.