IROQUOIS FEDERAL SAVINGS AND LOAN

NOTICE OF OUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Iroquois Federal Savings and Loan Association.

This is our privacy notice for our customers. When we use the words “you” and “our” we mean the following types of customers:

All of our consumer customers who have a continuing relationship with us, such as:

• Deposit account Loan account Retail installment contract we hold and service
• Self-directed Individual Retirement Account where we act as custodian or trustee

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.

THE INFORMATION THAT WE COLLECT

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

• Information we receive from you on applications or other forms Information about your transactions with us Information about your transactions with our affiliates Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency
  

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 and 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 AFFILIATES

We may disclose nonpublic personal information about you. Here are the kinds of nonpublic personal information we may disclose to our affiliates:

Transaction and experience information from our account records:

• Information about your transactions and experience with us, such as
  • Name Address Account balances Account activity Types of accounts Payment history Deposit history
  • Parties to the transaction

Federal law allows us to disclose the information listed above with affiliates. You do not have a right to opt out of the disclosure of this information.

Types of Affiliates

We may disclose nonpublic personal information about you to our affiliates:

• Financial service providers, such as
  • Securities broker-dealers
  • Insurance agents

Reasons for Disclosure

Here is why we may disclose nonpublic personal information about you to our affiliates:

• To provide our customers with information about additional products and services
• To evaluate our total relationship with you and our family of companies and give you the best price that relationship deserves

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES

We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS

We do not disclose nonpublic personal information about former customers, except as permitted by law.

We reserve the right to change this policy at any time by posting a new privacy policy.