Defiance State Bank ("DSB") recognizes and respects our responsibility to protect our customer's private information. The success of a financial institution, like ours, depends heavily on the level of trust and confidence it enjoys with its depositors, borrowers and shareholders. In continuing our commitment to provide quality service to our customer, has adopted the following privacy policy for officers, directors and employees. This privacy policy applies to individuals (consumers) and we reserves the right to amend it at any time.

Collection, Use and Retention of Customer Information. We collect, use and retain information about our customers only where we reasonably believe it would be useful in administering our business, and providing products, services and other opportunities to our customers. We collect and retain information available from public records, market research and credit reports, as well as information you provide to us, only for specific business purposes. We will tell you why we are collecting and retaining it upon your request. We use information to protect and administer our customer's records, accounts and funds; to comply with certain laws and regulations; to help design or improve our products and services; and to understand your financial needs and provide you quality products and outstanding service. If you send us e-mail, we may retain the content of the e-mail and your e-mail address in order to respond to questions or concerns you may have expressed.

Maintenance of Accurate Information. We have implemented procedures to help assure that our customer's financial information is accurate, current and complete in accordance with commercially reasonable standards. While some procedures are required by federal law, we also have procedures for responding to requests to correct inaccurate information in a timely manner, and to update information in a timely manner and remove old information. Customers should notify us immediately at PO Box 279, Defiance, IA  51527 or by phone at 712-748-3561 if they receive information regarding their relationship with us that they believe to be inaccurate.

Restrictions on the Disclosures of Account Information. We do not reveal specific information about our customers' accounts or other personally identifiable data unless (1) our customer requested or authorized it; (2) the information is provided to help complete a transaction initiated by our customer; (3) the information is provided to a reputable credit bureau or similar information reporting agency; or (4) disclosure is lawfully permitted or required. 

Maintaining Customer Privacy in Business Relationships with Outside Third Parties.  At times it is necessary to provide personally identifiable information about our customers to a third party such as a vendor or service company we hire to provide support or services for one or more of our products. These vendors and service companies agree to safeguard our confidential customer information and must abide by applicable law. We may also share customer information with affiliates or non affiliated third parties in order for our customers to receive information about products and services we believe to be of interest to them. You have the right to limit this sharing and use of information by contacting us at , PO Box 279, Defiance, IA  51527 and making a request in writing.

Internet Web Site. Visitors to the Web site remain anonymous. We do not collect personal identifying information about site users, unless you choose to provide such information. Standard software is used to collect and store ONLY the following non-identifying information about our visitors: the name of the domain from which you access the internet (for example, www.fmctc.com, if you are connecting from an FMCTC account the date and time you access our site; and the Internet address of the Web site from which you linked directly to our site. This is the case where confidential information, such as your account number or social security number is requested. Visitors may elect to provide us with personal information via e-mail or our feedback form. This information is used internally, as appropriate, to handle the sender's request and manage the Web site. It is not disseminated or sold to other organizations. Visitors should, however, keep in mind that e-mail is not necessarily secure against interception. If you do not agree with the use of this information, or are not comfortable with the level of privacy, please use the clear button in on-line forms, or cancel an e-mail before it is sent. Visitors should call us directly at , 712-748-3561 if requests include sensitive or private information, such as account numbers, credit card numbers or social security number. will NEVER ask you for your Personal Identification Number (PIN) for your VISA Check card. If you are asked for this information, please call 712-748-3561 and report it to one of our employees immediately.

Protecting Children.  DSB does not knowingly solicit data from children, and we do not knowingly conduct on-line marketing to children. We recognize that protecting children's identities and privacy on-line is important and that the responsibility to do so rests with both the on-line industry and with parents.

Contact Information.  If you believe someone has misused information obtained through our relationships with you or through our Web site, or if you have questions or concerns regarding this privacy policy, please contact at 712-748-3561 to resolve any disputes.

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