Privacy Policy | Iowa State Bank | Fairfield, Libertyville, Ottumwa

FACTS	What does Iowa State Bank & Trust Company 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, transaction history, account balances, payment history, credit history and credit scores, or may be limited to name and address. When you are no longer our customer, 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 the reasons financial companies can share their customers’ personal information; the reasons Iowa State Bank & Trust chooses to share; and whether you can limit this sharing. Before sharing any information with vendors for marketing purposes, we perform comprehensive due diligence with oversight from our Board of Directors, while following a selection process that requires that all vendors satisfy criteria for reliability, security, and adherence to privacy regulations before approval.

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Iowa State Bank & Trust chooses to share; and whether you can limit this sharing. Before sharing any information with vendors for marketing purposes, we perform comprehensive due diligence with oversight from our Board of Directors, while following a selection process that requires that all vendors satisfy criteria for reliability, security, and adherence to privacy regulations before approval.

Reasons financial companies can share your personal information	Does Iowa State Bank & Trust Company 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 with third-party vendors to enhance the products and services available to you. This sharing enables us to provide you with relevant offers, promotions, and information that may be of value 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 creditworthiness	No	We do not share
For affiliates to market to you	No	We do not share
For nonaffiliates to market to you	No	We do not share

Questions?	Call 641-472-3161, toll-free 1-888-218-6020 or email us at [email protected]

Who We Are
Who is providing this notice?	Iowa State Bank & Trust Company of Fairfield, Iowa

What We Do
How does Iowa State Bank & Trust Company 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.
How does Iowa State Bank & Trust Company collect my personal information?	We collect your personal information, for example, when you open an account, make deposits or withdrawals from your account, pay your bills, apply for a loan, or use your 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 creditworthiness; affiliates from using your information to market to you; and sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and/or nonfinancial companies.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and/or nonfinancial companies. Iowa State Bank & Trust shares with nonaffiliate marketing vendors for the purpose of jointly marketing our products and services to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or service to you.

Children’s Online Privacy
Protecting the identity and privacy of children is a responsibility that we take seriously. The responsibility to protect this information rests with both the online industry as well as with parents. We do not knowingly collect, use, or maintain any information through our websites about children. We will recognize that protecting children’s identities and privacy at all times and in all of our distribution means is important. Parents can avail themselves of various filtering software packages that are available to prevent their children from accessing websites which they deem to be inappropriate. Parents can choose to utilize this and other methods to limit websites to which their children have access. F03-BB19-9

Children’s Online Privacy

Protecting the identity and privacy of children is a responsibility that we take seriously. The responsibility to protect this information rests with both the online industry as well as with parents. We do not knowingly collect, use, or maintain any information through our websites about children. We will recognize that protecting children’s identities and privacy at all times and in all of our distribution means is important. Parents can avail themselves of various filtering software packages that are available to prevent their children from accessing websites which they deem to be inappropriate. Parents can choose to utilize this and other methods to limit websites to which their children have access.

F03-BB19-9