This is our privacy notice to our customers. When we use the words "you" and "your" we mean the following types of customers:

All of our consumer customers who have a continuing relationship with us, such as:

• Deposit account
• Loan account
• Safe deposit box
• Self-directed Individual Retirement Account where we act as custodian or trustee
• Certain customers who use our trust services as determined by the governing regulation

We will tell you the sources for non-public personal information we collect on our customers. We will tell you what measures we take to secure that information.

We first define some terms.

We, Our, and Us means Robertson Banking Company.

Non-public personal information means information about you that we collect in connection with providing a financial product or service to you. Non-public personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control, a company that owns or controls us, and a company that is controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A non-affiliated third party is a company that is not an affiliate of ours.

THE INFORMATION THAT WE COLLECT

We collect non-public personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with non-affiliated third parties
• Information from a consumer reporting agency

We do not disclose any non-public personal information about you to anyone, except as permitted by law.

THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR
NONPUBLIC PERSONAL INFORMATION

We restrict access to non-public 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 regulations to guard your non-public personal information.

NON-PUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES

Since we value our customer relationship with you, we will not disclose your non-public personal information to nonaffiliated third parties, except as permitted by law. This might include disclosures necessary to service your account, perform joint marketing or prevent unauthorized transactions.

NON-PUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS

We do not disclose non-public personal information about former customers, except as permitted by law.

INTERNET USAGE

Information collected about you at our web site is limited to the name of the domain from which you access the Internet such as aol.com, date and time you access our web site, and pages you may have visited on our web site. This is done in order to improve the web site based on visitors' usage.

Robertson Banking Company will not reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information, or in the performance of due diligence unless the information is provided to help complete a customer initiated transaction or the customer requests it.

© 2000 Bankers Systems, Inc., St. Cloud, MN Form PRIV-DISC 6/21/2000 Custom