Security Trust & Savings Bank Privacy Statement

Security Trust & Savings Bank recognizes and respects our responsibility to protect our customers' private information. The success of a financial institution depends on the level of trust and confidence it enjoys with its depositors, borrowers and shareholders. In continuing our commitment to provide quality service to our customer, we have adopted the following privacy statement for officers, directors and employees. This privacy statement applies to individual consumers and we reserve the right to amend it at any time.

Our Collection, Use and Retention of Customer Information.
We collect, use and retain information about our customers only where we reasonably believe it would be useful in administering our business, and providing products, services and other opportunities to our customers. We collect and retain information available from public records, market research and credit reports, as well as information you provide to us for specific business purposes. We will tell you why we are collecting and retaining it upon your request. We use information to protect and administer our customers' records, accounts and funds; to comply with certain laws and regulations, to help design or improve our products and services, and to understand your financial needs and provide you quality products and outstanding service. If you send us e-mail, we may retain the contents of the e-mail and your e-mail address in order to respond to questions or concerns you may have expressed.

Our Maintenance of Accurate Information.
We have implemented procedures to help assure that our customers' financial information is accurate, current and complete in accordance with commercially reasonable standards. While some procedures are required by federal or state law, we also have procedures for responding to requests to correct inaccurate information in a timely manner, and to update information and remove old information. Customers should notify us immediately at Security Trust & Savings Bank, 601 Lake Ave., Storm Lake, IA 50588 or call us at 712-732-3022 if they receive information regarding their relationship with us that they believe to be inaccurate.

Limited Employee Access to Information.
We have procedures and security levels that limit employee access to personally identifiable information to those with a business reason to know such information. The importance of confidentiality and customer privacy is addressed through employee training. Appropriate disciplinary measures are taken to enforce employee privacy responsibilities.

Restrictions on the Disclosures of Account Information.
We do not reveal specific information about our customers' accounts or other personally identifiable data unless 1) our customer has requested or authorized it; 2) the information is provided to help complete a transaction initiated by our customer; 3) the information is provided to a reputable credit bureau or similar information reporting agency; or 4) disclosure is lawfully permitted or required.

Maintaining Customer Privacy in Business Relationships with Outside Third Parties.
At times it is necessary to provide personally identifiable information about our customers to a third party, such as a vendor or service company we hire to provide support or services for one or more of our products. These vendors and service companies agree to safeguard our confidential customer information and must abide by applicable law. We may also share customer information with affiliates or non-affiliated third parties in order for our customers to receive information about products and services that we believe to be of interest to them. You have a right to limit this sharing and use of information by contacting us at 601 Lake Ave. Storm Lake, IA and making a request in writing.

Our Internet Web Site
Visitors to the Security Trust & Savings Bank's Web site remain anonymous. We do not collect personal identifying information about site users, unless you choose to provide such information to use. Standard software is used to collect and store only the following non-identifying information about our visitors: the name of the domain from which you access the Internet (for example, aol.com, if you are connecting from an America Online account, or iastate.edu if you are connecting from Iowa State University's domain); the date and time you access our site; and the Internet address of the Web site from which you linked directly to our site. If you submit an online application, it will be transmitted over a secure connection using encryption, and will alert you to this fact. This is the case where con-fidential information, such as your account number or social security number is requested. Visitors may elect to provide us with personal information via e-mail or our feedback form. This information is used internally, as appropriate, to handle the sender's request and manage the Security Trust & Savings Bank's Web site. It is not disseminated or sold to other organizations. Visitors should, however, keep in mind that e-mail is not necessarily secure against interception. If you do not agree with the use of this information, or are not comfortable with the level of privacy, please use the clear button in on-line forms, or cancel an e-mail before it is sent. Visitors should call us directly at 712-732-3022 if requests or statements include sensitive or private information, such as your account numbers, credit card numbers or social security number.

Personal Identification Number (PIN) Confidentiality.
Security Trust & Savings Bank will never ask you for your Personal Identification Number (PIN) for your ATM card or Security Check Card. If you are asked for this information, please call 712-732-3022 and report it to a customer service representative immediately.

Protecting Children
Security Trust & Savings Bank does not knowingly solicit data from children, and we do not knowingly conduct on-line marketing to children. We recognize that protecting children's identities and privacy on-line is important and that the responsibility to do so rests with both the on-line industry and with parents.

If you believe that Security Trust & Savings Bank has misused information obtained through our relationships with you, or if you have questions or concerns regarding this privacy policy, please contact David Dvergsten, President, Security Trust & Savings Bank, at 712-732-3022 to resolve any disputes.