We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Nonpublic Personal Information We Collect

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us, our affiliates, or others
• Information we receive from a consumer reporting agency

Nonpublic Personal Information We Disclose

   We do not disclose nor do we reserve the right to disclose, any nonpublic personal information about our customers or former customers to anyone, except to other nonaffiliated third parties as permitted by law.

NON PUBLIC PERSONAL INFORMATION AND AFFILIATES

   We may disclose nonpublic personal information about you to our affiliates.  Federal law allows us to disclose this information to our affiliates.  You do not have the right to opt out of the disclosure of this information.  We may disclose nonpublic personal information about you to the following types of financial service providers:

• WSB Financial Services
• Deer Creek Insurance

   Notify us of Inaccurate Information We Report To Consumer Reporting Agencies.  Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency.  Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address:  WADENA STATE BANK 304 - 1st St. SE Wadena, MN 56482.