Notice of Your Financial Privacy Rights

This is our privacy notice for our customers who have the right to know the privacy policies and practices of this financial institution as they relate to the collection and disclosure of information with both affiliated and nonaffiliated parties. In order to provide the proper disclosure information, the following definitions are offered as they relate to financial privacy rights.

Definitions

We, our, and us means Swisher Trust & Savings Bank.

You and Your means all consumer customers with whom we have a continuing relationship with through one or more accounts, customers who may use a service of this institution that we provide without an account relationship or someone who may have applied for any of this financial institution's services and were declined.

Publicly Available Information: Any information that is lawfully available to general public from official public records, public directories, public media (TV, radio, newspapers) or any information that is required to be disclosed by law (Federal, State or Local).

Nonpublic Personal Information: Any information about you that we collect in connection with providing a financial product or service other than that described above.

Affiliate: Any company that is partially or wholly controlled by us or a company that partially or wholly controls us.

Nonaffiliated Third Party: Any person(s) or corporate entity that is not an affiliate of this financial institution.

Consumer Reporting Agency: An agency or person who collects and evaluates consumer credit information and reports it to third parties.

We collect nonpublic personal information about you from the following sources:

• Information we receive from customers on applications and other forms.
• Information about you that we receive from a consumer reporting agency.
• Information we receive about you from transactions with you, our affiliates, and others.
• Information about transactions with unaffiliated third parties.

We do not disclose any nonpublic 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 nonpublic 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 standards to guard your nonpublic personal information.

Nonpublic Personal Information and Former Customers

We do not disclose nonpublic personal information about former customers as described above in this notification.

For questions regarding our privacy policy, call us at 319-857-4131 and ask to speak with a bank representative.