Rev. 11/2010

FACTS

WHAT DOES RIVER FALLS 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 Transaction History
  • Account Balances and Credit History
  • Payment History and Checking Account Information

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 RIVER FALLS STATE BANK chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does RIVER FALLS 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

 No We don't share

For joint marketing with other financial companies

 No We don't share

For our affiliates' everyday business purposes –
information about your transactions and experiences

 No We don't share

For our affiliates' everyday business purposes –
information about your creditworthiness

No We don't share

For nonaffiliates to market to you

 No We don't share

Questions?

Call 715-425-6782 or go to WWW.RFSTATEBANK.COM

Who we are

Who is providing this notice?

RIVER FALLS STATE BANK

What we do

How does RIVER FALLS 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.

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does RIVER FALLS STATE BANK collect my personal information?

We collect your personal information, for example, when you

  • Open an Account or Give Us Your Contact Information
  • Apply for a Loan or Show Your Driver's License
  • Give Us Your Income Information

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
  • 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 nonfinancial companies.

  • RIVER FALLS STATE BANK AFFILIATES INCLUDE A BANK HOLDING COMPANY

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • RIVER FALLS STATE BANK DOES NOT SHARE WITH NON AFFILIATES SO THEY CAN MARKET YOU

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • RIVER FALLS STATE BANK DOES NOT JOINTLY MARKET

Other important information

IF YOU HAVE ANY QUESTIONS ABOUT THIS POLICY, PLEASE CONTACT US AT THE FOLLOWING:
RIVER FALLS STATE BANK
124 S SECOND STREET
RIVER FALLS, WI 54022
(715) 425-6782