Privacy Policy:
Visitors to our website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:

• Date and time our site was accessed
• IP address (A numeric address given to servers connected to the Internet)
• Web browser used
• City, state, and country

Village Bank uses this information to create summary statistics and to determine the level of interest in information available on our site.

Visitors may elect to provide us with personal information via email or online enrollment forms. This information is only used internally, as appropriate, to handle the sender's request. We do not give or sell customer information to other organizations.

Some areas of our Website may use "cookies" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages you use within the site and to determine if you have visited the site before.

To inquire about our Privacy Policy, contact us at the address below:

Village Bank
3350 Bridge St. NW
St. Francis, MN 55070
763-753-3007
763-753-6002 (fax)
customerservice@villagebankonline.com

Disclosures

IN CASE OF ERROR OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS:
If you think your statement or receipt is incorrect or you need more information about an electronic transfer on the statement or receipt, contact us by telephone or in writing as soon as possible at one of our locations. Please reference our contact information below. Consumers must contact us no later than 60 days from the item’s date as it appears on the statement or receipt where the error or problem appeared. In your correspondence, please provide us with the following information: 

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR CREDIT LINE:
If you think your bill is incorrect, or if you need more information about a transaction on your bill, you can contact us by telephone or in writing as soon as possible at one of our locations. Please reference our contact information below. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. In your correspondence, please provide us with the following information.

HOW YOUR FINANCE CHARGE IS CALCULATED:

• We will begin to earn FINANCE CHARGES when we make a loan to you.
• The ACCRUED FINANCE CHARGE is calculated by multiplying the DAILY PERIODIC RATE by the PRINCIPAL BALANCE each day.
• Then, we add up the ACCRUED FINANCE CHARGE for each day of the billing cycle. This gives us the TOTAL FINANCE CHARGE for the billing cycle.
• The DAILY PERIODIC RATE is the ANNUAL PERCENTAGE RATE divided by 365.
• To compute the PRINCIPAL BALANCE, we take the beginning balance of your account each day, add any new advances or loans, and subtract any payments or credits and unpaid FINANCE CHARGES.
• If you have a variable rate plan, your DAILY PERIODIC RATE may vary.

DO NOT CALL POLICY
VILLAGE BANK uses the telephone as one important way to stay in contact with our customers and potential customers in the communities we serve. Because these good relationships are a necessary ingredient of our success, and in keeping with state and federal laws, it is the policy of VILLAGE BANK that we will not make sales-related telephone calls to any person who has indicated a desire not to receive such calls. This includes those who have registered with state or federal “Do Not Call” lists, as well as those who have previously told us directly that they do not wish to receive such calls.

• Submit your request to be placed on the list either in writing or by phone and include your name, address and phone number. If you are requesting multiple phone numbers to be included, please list all phone numbers.
• Your phone number(s) will remain on our list for five years unless you ask to be removed.
• If your telephone number changes, you must give us your new number if you want your “Do Not Call” status to remain in effect.