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:

l Social Security number and payment history l credit history and transaction or loss history l credit card or other debt and employment 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 Palo Savings Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Palo Savings 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 our affiliates to market to you

No

We don’t share

For our nonaffiliates to market to you

No

We don’t share

Questions?

Call 319-851-2241 or go to www.palosavingsbank.com

What We Do

How does Palo Savings 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.

How does Palo Savings Bank collect my personal information?

We collect your personal information, for example, when you

l apply for a loan or open an account

l make a wire transfer or pay us by check

l give us your contact information

We also collect your personal information from other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies. l Palo Savings Bank does not share with our affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies. l Palo Savings Bank does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. l Our joint marketing partners include A FINANCIAL SERVICES COMPANY.

Other Important Information