Since 1905 the Directors, management and staff of TSB Bank have been concerned about and respected the privacy of our customer’s personal financial information. Our customers furnish sensitive information to us daily and they expect privacy and security for their personal and financial affairs. TSB Bank is committed to treating personal customer and consumer information responsibly. For more than 100 years, our commitment to our customers has remained unchanged. TSB Bank continues to serve you with integrity and respect. Keeping your information confidential and secure is an important part of our responsibility to you.

NOTICE REGARDING THE PRIVACY OF YOUR FINANCIAL INFORMATION
This notice describes how we collect, maintain and disclose customer information. This notice may be amended from time to time at our discretion. Please read on to learn how we are working to protect your privacy.

When we use the words “you” and “your” we mean the following types of customers:
All of our customers who have a continuing relationship with us such as: deposit accounts, loan accounts, and safe deposit boxes. We will tell you the sources for nonpublic personal information that we collect on our customers. We will also tell you what measures we take to secure that information. First we need to define some terms.
We, our, and us means TSB Bank.
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, and 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 person we do not employ or a company that is not an affiliate of ours but with whom we may have a special arrangement or joint marketing agreement.

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, such as your name, address, assets and income.
Information about your transactions with us, or others, and information to verify representations made by you such as account balance, payment history, parties to transactions, and credit usage.
Information about your transactions with nonaffiliated third parties, including credit bureaus, such as your creditworthiness, credit score and payment history.
Information we obtain regarding your employment, credit or other relationships, such as employment history.
Information from a consumer-reporting agency.
Information submitted by you for insurance applications or claims, such as medical information, that is used exclusively for the specific purposes you have authorized.

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 regulations to guard your nonpublic personal information. All employees have a copy of this notice and are trained at least annually regarding the importance of safeguarding customer information.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted or required by law.

INFORMATION ABOUT FORMER CUSTOMERS
We do not disclose information about former customers, except as permitted by law.

AUTHORIZED SHARING – JOINT MARKETING
We may disclose the following information to other financial institutions with which we have joint marketing agreements:
Nonpublic personal information we receive from you on an application or other forms, such as name and address and nonpublic personal information about your transactions with us, such as name, address, and types of accounts.
Federal law allows us to disclose the information listed above with other financial institutions with which we have joint marketing agreements. You do not have the right to opt out of the disclosure of this information. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

WEB SITE
Collection of information on our Web site(s) may include data such as pages visited, downloads, other Web sites from which visitors arrive, and the types of operating systems and browsers used. We collect this information to personalize the information displayed and to enhance the performance of the site. TSB Bank may also offer online planning tools, such as calculators, to help you evaluate your personal finances or decide whether a product offered by TSB Bank is right for you. Information obtained through online planning tools, or online payments and transfers, may be used in connection with the transaction you initiate. The information you request from our Web Site about your accounts can only be accessed with your Customer Access Code. It is your responsibility to keep your customer access code confidential. Messages you send to us by e-mail are subject to viewing, alteration, and copying by potentially anyone on the Internet. We encourage you to send confidential correspondence through either the Postal Service or by using the telephone to speak directly to our employees.

We use numerous security measures such as data encryption and user name and passwords. When you use a link from our web site to go to another site, our privacy policies and Internet security measures no longer apply.

ACCESS TO ACCOUNTS
If you believe someone has accessed your accounts without authorization, or if some one has discovered your personal identification number (PIN), Personal Security Code, user name or password ("Codes"), please notify us at: (920) 269-7777 or 1-800-874-4870 as soon as possible. Please assist us in this effort by protecting your Codes and account numbers. These numbers are for your personal use and should be kept confidential. Our employees and associates will never contact you for your codes or any other personal identification numbers.

NEGATIVE INFORMATION
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

CREDIT BUREAUS
If you would like to have your name removed from prescreened credit mailing lists obtained from the main consumer credit reporting agencies: TransUnion, Experian, Equifax, and Innovic call: 1-888-5OPTOUT(888-567-8688)

MAINTAINING ACCURATE CUSTOMER INFORMATION
We are committed to keeping your nonpublic information accurate. If you believe our records are outdated or incorrect, please assist us in correcting it, by contacting us at: TSB Bank, 695 East Avenue, Lomira, WI 53048, (920)269-7777 or Toll Free at (800)874-4870. We will investigate the situation and make any necessary updates as quickly as possible.

HOW TO CONTACT US
Questions regarding this Privacy Disclosure Notice should be directed to our financial privacy coordinator at 920-269-7777, or write us at:

TSB Bank
695 East Avenue
Lomira, WI 53048