Privacy Policy

Park State Bank is implementing this privacy policy because a fundamental component of the bank/customer relationship is a customer's trust in this institution and because we respect the expectations of our customers regarding privacy and confidentiality.

Other than the automatic data collection described above, this site collects no personally identifying information. The sole exception is when you knowingly and voluntarily provide information, such as when you fill in your name and address on the contact request form.

The Park State Bank uses the information we collect for internal system administrative purposes to measure the volume of requests for specific website pages, and to continually improve the Park State Bank Internet site to be responsive to the needs of users. Your choice to use the Park State Bank website or to send electronic mail to Park State Bank will be considered your consent for the Park State Bank to use the information collected therefrom as stated in this notice.

Collection and Use of Information
Park State Bank collects, retains and uses information about customers only when it is useful and lawful for our standard business purposes. Our "business" referred to in the preceding sentence includes opening and maintaining accounts or providing loans, providing additional financial products or services and advising you of new products and services.

Maintenance of Accurate Information
Keeping your account information accurate and up to date is very important. If you ever find that your account information is incomplete, inaccurate or not current, please call or write at: Park State Bank, 1106 88th Ave. West, Duluth, MN 55808, 218-626-2755, lammimm@parkstatebank.com. We will correct any erroneous information within 5 business days.

Employee Access to Information and Enforcement
Park State Bank limits employee access to customer personal information to only "those bank administrators with a business reason for knowing such information." Bank also educates all employees about the importance of confidentiality and customer privacy.

Safeguarding the Security of Customer Information
Park State Bank takes all precautions in safeguarding and securing customer information. Access to current files, storage of dated information and disposal processes are limited and secured with ultimate document disposition, being shredding, before disposal. All employees are aware of their individual responsibility with regard to these processes.

The Bank will only disclose information to third parties about your credit, your accounts, and your transactions under any one of the following conditions:

1. When it is necessary for completing a transaction initiated by you.

2. To verify the existence and conditions of the account or loan for reputable information reporting agencies.

3. In order to comply with a government agency directive, court order, or regulatory examination.

4. When you give the bank signed permission.

Maintaining Customer Privacy in Business Relationships with Third Parties
Park State Bank follows strict privacy procedures with regard to protection of customer information. Except as otherwise stated in this policy, the Bank will not sell or share customer information with third parties.

In some cases it may be necessary to share information with third party business partners to provide you with requested products or services. Park State Bank requires all third parties with a business need to access personal information to adhere to similar and equally stringent privacy policies. If the Bank uses a third party business partner, service company, or other business partner to prepare account documentation, service accounts, or for other purposes, we will make reasonable efforts to verify the business partner treats customer information in a manner no less stringent than the Bank.

Disclosure of Privacy Principles to Customers
Park State Bank is to communicate our privacy policy to our customers. We will periodically review the methods available for communicating the Bank's privacy policy and determine whether the Bank's current practices are meeting the needs of the Bank and our customers.

General Internet Security

We will use commercially reasonable measures, consistent with industry standards, to maintain a reasonable level of security over the information contained in any electronic delivery. One of the main security features guarding the use of online banking is the unique combination of your ParkLine ID and Password (PW). It is important that you protect the security of your ParkLine ID and PW by keeping them a secret. If you give your ParkLine ID or PW to another party, you will be responsible for any changes to your account(s). By entering into this agreement and using ParkLine, you agree to protect the security of your ParkLine ID, PW and any other number, codes, marks, signs, keys or other means of identification of you as a Park State Bank ParkLine customer which may be devised or established from time to time.

Information Collected About Your Visit to the website
Park State Bank automatically collects and stores the following information about you when you visit our website:

• The date and time the request was received.
• Your Internet Protocol (IP) address, or the proxy address of your Internet Service Provider (e.g. AOL, CompuServe, and so on).
• The name and IP address of the Park State Bank server that received and logged the request.
• The resource on an Park State Bank server accessed as a result of the request, such as the Web page, image, and so on.
• The query in the request. This field captures any criteria or parameters issued with a query, such as a bank name or insurance certificate number.
• The name and version of your Web browser (e.g. Netscape 4.0).
• The content of any sent or received cookie.
• The Uniform Resource Locator (URL) that was accessed before the user made a request for Park State Bank's Web server. The URL may be an outside address that is not related to the Park State Bank server.
• Other status codes and values resulting from the Web server responding to the request received: HTTP status code, Windows NT code, number of bytes sent, number of bytes received, duration (in seconds) to fulfill the request, server port number addressed, and protocol version.