Brock White
© 2009 State Bank of New Prague. All Rights Reserved.

Web Site Privacy Policy

The State Bank of New Prague is dedicated to providing you with the highest level of service and protecting your privacy. The State Bank of New Prague has created this Privacy Policy to ensure the confidence of visitors and customers (“you” or “your”)  to our web site (the “Site”), and to demonstrate our commitment to fair information practices and the protection of your privacy.

Protecting your information

1. Types of Information Collected

a. Cookies

The State Bank of New Prague may collect information about you and your use of our Site whenever you visit this Site. For instance, we may collect various forms of information such as entry and exit points for our Site (i.e., referring URLs or domains), site traffic statistics, operating system and browser type (collectively “Traffic Data”). Traffic Data is anonymous information that does not personally identify you but is helpful for marketing purposes or for improving your experience on the Site. In addition, when users request pages on our Site, our servers automatically log your IP addresses. An IP address is a number that is automatically assigned to your computer whenever you are using the Internet. The State Bank of New Prague may store some information  on your computer in the form of a “cookie” or similar file  to help us maintain and improve this Site in many ways. A “cookie” is a small amount of data that is transferred to your browser by a Web Server and can only be read by the server that gave it to you. It functions as your identification card, recording such things as Internet addresses, passwords, and preferences. It cannot be executed as code or deliver viruses. With most Internet browsers, you can erase “cookies” from your computer hard drive, block all “cookies,” or receive a warning before a “cookie” is stored.  Please refer to your browser instructions to learn more about these functions.

b. Personal Information Collected
If you communicate with us by e-mail, complete online forms, or register to use our Online Banking services, The State Bank of New Prague may request and acquire certain personal information from you such as your name, mailing and e-mail address, zip code, birth date, social security or tax identification number, drivers license number, assets, liabilities, income, account balance, loan repayment history, credit card usage, credit history, and employment history. (“Personal Information”)

2. Uses of Information Collected.

The State Bank of New Prague may use your Personal Information to administer and protect your Account from unauthorized access or identity theft and to process your requests such as loan applications, purchases, and ATM withdrawals. We also may use your Personal Information to better understand your financial and business needs to provide more personalized and efficient services to you. The State Bank of New Prague may send you information about our services from time to time, or to contact you when necessary. We use your Personal Information to customize and tailor your experience on the Site, displaying content that we think you might be interested in and according to your preferences.

3. Sharing of Personal Information

The State Bank of New Prague will not monitor, edit, disclose, or sell any Personal Information about you with non-affiliated third parties without your prior consent unless the State Bank of New Prague has a good faith belief that such action is necessary to: (i) comply with legal process or other legal requirements of any governmental authority; (ii) protect and defend the rights or property of the State Bank of New Prague; (iii) enforce this Agreement; (iv) protect the interests of other users of the Site or any other person; or (v) operate or conduct maintenance and repair of the State Bank of New Prague services or equipment, including the services as authorized by law. In order to serve your needs, the State Bank of New Prague may provide Personal Information to: (i) specialists that perform business operations for the State Bank of New Prague (such as technical consultants, check printing, and data processing) and (ii) companies that provide marketing or financial services on behalf of the State Bank of New Prague (such as credit cards). You acknowledge that you have no expectation of privacy with respect to the Internet generally.

4. User Choice Regarding Collection, Use and Distribution of Personal Information

You may choose not to provide the State Bank of New Prague with any Personal Information. If you do not wish to receive information and promotional material from us or from some of our partners, you may select the appropriate "opt-out" option each time we ask you for Personal Information. You may also request that the State Bank of New Prague  not contact you by e-mail, telephone for promotional offers by contacting the State Bank of New Prague or calling 952.758.4491. If you elect not to provide Personal Information to the State Bank of New Prague, you can still access this Site.

5. Other Limits to Your Privacy

The Site contains links to other web sites. We are not responsible for the privacy practices or the content of such web sites. We have no control over its use and you should exercise caution when deciding to disclose any Personal Information on these web sites.

6. Updates and Changes to Privacy Policy

We reserve the right, at any time and without notice, to add to, change, update or modify this Privacy Policy, simply by posting such change, update or modification on the Site. Any such change, update or modification will be effective immediately upon posting on the Site.


Excessive Or Luxury Expenditures Policy
THIS POLICY is hereby adopted and approved by the Board of Directors of DUKE
FINANCIAL GROUP, INC. in order to fulfill the requirement under Section 111 of the
Emergency Economic Stabilization Act of 2008, as amended by the American Recovery
Investment Act of 2009 or otherwise from time to time (“EESA”), and rules, regulations,
guidance or other requirements issued thereunder (collectively, the “EESA Restrictions”) that an “excessive or luxury expenditures policy” be adopted, which Policy shall apply to Duke
Financial Group, Inc. and to each affiliate of the Financial Institution treated as being the same
employer under the EESA Restrictions (collectively, “Duke”).
Duke prohibits any excessive or luxury expenditures relating to entertainment or events, office
and facility renovations, aviation or other transportation services and other items, activities or
events that are not reasonable expenditures for staff development, reasonable performance
incentives or other similar measures conducted in the normal course of business operations.
Entertainment or Events: This category of expenditure relates to activities that any officer or
employee would use corporate funds for business development purposes relating to current or
prospective customers or to further marketing efforts on behalf of Duke.
It is the expectation of Duke that all expenses incurred in this category will be for company
purposes and used to generate business for Duke. Occasional events such as taking customers or prospects to sporting events, playing golf, dinners or other meals or similar events or parties that might build or enhance the relationship with the customer/prospect is a normal and necessary part of marketing efforts and are not considered to be in violation of this Policy. The expenses related to these events should be documented and detailed by the officer or employee through the normal reimbursement process. Events that will take place outside of the markets in which Duke does business will require prior approval of the Board of Directors. Also, the costs for all of these activities should be kept in mind and monitored and should avoid the appearance to the shareholders of being extraordinary or excessive.
Office and Facility Renovations: Renovations should relate to projects approved by the Board of
Directors and included in the capital expenditure plan for Duke. Approved renovations should
avoid the appearance of being extraordinary or excessive from the perspective of the
shareholders or general public. Exceptions to approved projects will be permitted if management must deal with an emergency situation, such as the need to make a facility operational for customer use.
Aviation and Transportation Services: Transportation for officers and employees of Duke should be conducted in the most cost appropriate way for Duke. Modes of transportation to be used may consist of car, commercial air or rail service. For certain officers/employees, this may
include the use of a company car. The selection of transportation services should consider the
cost, efficiency and timeliness of the travel as well as the confidentiality of customer
information. Private air services will not be allowed without approval of the Board of Directors.
Other Activities: Activities such as conferences and board or management retreats are a normal and expected practice for Duke, and at times it may be appropriate that spouses attend along with the officers/employees. Duke recognizes that these activities provide significant educational, business planning and team building benefits to Duke and therefore should not be discouraged.
Likewise, employee recognition and holiday parties, including reasonable service awards and
nominal door prizes, are part of the normal operations of Duke and will not violate the Policy.
However, the costs for all of these activities should be kept in mind and monitored and should
avoid the appearance to the shareholders of being extraordinary or excessive.
Compliance with this Policy will be monitored by the SVP/CFOs of Duke Financial Group, Inc.
and each of its subsidiary banks, by report to the Board of Directors of Duke Financial Group,
Inc. Any noncompliance will be promptly reported to the Board of Directors. Any officer or
employee who engages in extravagant spending will be subject to appropriate disciplinary action up to and including termination.