Privacy Disclosure

FACTS

WHAT DOES INDEPENDENCE FEDERAL SAVINGS BANK (IFSB)

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 Income
• Account Balances and Payment History
• Credit History and Credit Scores

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 IFSB chooses to share and whether you can limit this sharing.

Reason we can share your personal information

Does IFSB 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

YES

NO

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 non-affiliates to market to you

NO

WE DON’T SHARE

Questions?

Call toll free 1-888-922-6537      or go to  WWW.IFSB.COM

Who we are

Who is providing this notice?

INDEPENDENCE FEDERAL SAVINGS BANK  (IFSB)

What we do

How does IFSB 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 IFSB collect my personal information?

We collect your personal information; for example when you:

• Open an account or deposit money
• Pay your bills or apply for a loan
• Use your credit or 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
• 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.

• IFSB does not share with our affiliates

Non-Affiliates

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

• IFSB does not share with non-affiliates so that they can market to you

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

• IFSB does not jointly market