PRIVACY POLICY NOTICE

FACTS

WHAT DOES IROQUOIS FARMERS STATE BANK DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security Number and income
Account balance and transaction history
Credit history and credit scores

When you are no longer our member, we continue to share your information as described in this notice.

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list reasons financial companies can share their customers' personal information, the reason Iroquois Farmers State Bank chooses to share, and whether you can limit this sharing.

Reasons we can share your personal information	Does Iroquois Farmers State Bank share?	Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes –to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We do not share
For our affiliates’ everyday business purposes – information about your transactions and experiences	No	We do not share
For our affiliates’ everyday business purposes – information about your credit worthiness	No	We do not share
For nonaffiliates to market to you	No	We do not share

Questions?

Call (815) 429-3337 or go to www.iroqbank.com

Who we are
Who is providing this notice?	Iroquois Farmers State Bank

Page 2

What we do
How does Iroquois Farmers State Bank Protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Iroquois Farmers State Bank restricts access to nonpublic personal information about you only to its employees who need that information to provide services and products to you
How does Iroquois Farmers State Bank collect my personal information?	We collect your personal information, for example, when you Open an account or make deposits /withdrawals from your account Pay your bills or apply for a loan Use your credit or debit card We also collect your personal information from others, such as credit bureaus,affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only Sharing for affiliates' everyday business purposes - information about your credit worthiness Affiliates from using your information to market to you Sharing for non-affiliates to market to you

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Iroquois Farmers State Bank does not share with our affiliates. .
Non-affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Iroquois Farmers State Bank does not share with non-affiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Iroquois Farmers State Bank does not jointly market.