Home    Loan Center    Products    About Us    FAQ    Resources  
  My Account Login  
  Get Started  
  Contact Us  
Privacy Policy
Important Information About Your Privacy and Our Commitment to You
--------------------------------------------------------------------------------
Your trust is the cornerstone of our relationship. We understand that you have entrusted us with your private financial information and we do everything we can to maintain that trust. That is why we work diligently to safeguard your privacy and the information you provide us; whether in person, over the phone or via the Internet. We even maintain ‘Do Not Mail’, ‘Do Not Phone’, and ‘Do Not Email’ lists to further respect our customers’ desire for privacy.

At Fox River State Bank, the information you provide us is kept in the strictest confidence.

We do not sell your personal information to anyone.
You are already opted-out from sharing personal information with third parties, as we explain further. There are no additional forms for you to complete.
We protect the security and confidentiality of your personal information.
The following privacy policy explains how we use and protect the personal information about our customers. We ask that you read it carefully.


Fox River State Bank Privacy Policy
--------------------------------------------------------------------------------
The Fox River State Bank Privacy Policy applies to all personally identifiable financial information about you that is obtained by Fox River State Bank when providing a financial product or service to you. Our policy continues as we obtain additional information throughout our relationship as well as after the relationship has ended.

Below are some of our sources for the personal information we collect on our customers and the measures we take to secure that information.


The Information We Collect
--------------------------------------------------------------------------------
We rely on many sources of information to understand and meet your needs. We collect personal information about you from:

Your applications and in other ways when you visit us in person, over the phone, through the mail or through our Web site.
Your browser in the form of cookies, when you visit our Web site and your browser interacts with us. We do not retain any of the information or use it for other purposes.
Consumer reporting agencies (credit bureaus).
Other sources in connection with providing you a financial product or service.


We Limit Sharing of Personal Information
--------------------------------------------------------------------------------
We may work with outside companies or organizations that provide services to Fox River State Bank or that provide you with opportunities to buy new products or services offered by Fox River State Bank, often at a special discount. We may disclose limited personal information as permitted by law to these companies that perform services with us, including direct mail or email services. These companies must agree not to use or disclose your personal information for any purpose other than the work they are performing for us or as required by law.

We may also enter into what is called a “joint marketing relationship” with other financial institutions. We may disclose your personal information as permitted by law to the joint marketers. For example, if you have a mortgage loan with us, we may disclose limited personal information about you to a financial services company providing mortgage insurance. This company may not sell or provide this information to others, and may only disclose it as permitted by law.

We may disclose information about your transactions and experience with us, such as name, address or limited information pertinent to the transaction in the above situations.

We Do Not Share Personal Information – You Are Already Opted Out

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

The law allows you to “opt out” of certain kinds of information sharing with third parties. Fox River State Bank does not share personal information about you with any third parties that triggers this opt-out provision. This means you are already opted-out and there is nothing more you need to do to prevent this sharing of information with nonaffiliated third parties.


What We Do to Protect Your Personal Information
--------------------------------------------------------------------------------
We restrict access to your personal information to our employees and agents for business purposes only.
All employees are trained about privacy and are required to protect your personal information.
Companies we hire to provide support services such as direct mail marketing are not allowed to use your personal information for their own purposes. We limit their use of your personal information to the performance of specific services requested.
We have physical, electronic and procedural safeguards to protect your personal information.
Our Web site protects your personal information by using data encryption.


What You Can Do To Protect Your Personal Information
--------------------------------------------------------------------------------
Delete your name from marketing lists.
If you would like to reduce the amount of advertising you receive from other companies through the mail, by telephone or by email, write to the Direct Marketing Association at the address listed below. You will need to provide your name, address, and telephone number with your request:

Mail Preference Service
Direct Marketing Association
P.O. Box 9008
Farmingdale, NY 11735

Telephone Preference Service
Direct Marketing Association
P.O. Box 9014
Farmingdale, NY 11735

E-mail Preference Service
www.e-mps.org


Protect Your Name From Identity Theft
--------------------------------------------------------------------------------
If someone has used your personal identification to fraudulently establish credit, report the incident as quickly as possible to each of the credit reporting agencies and request that a fraud alert be placed on your file.

Experian 888-397-3742
Equifax 800-525-6285
Trans Union 800-680-7289

You can obtain a copy of your credit report by calling these credit reporting agencies at the above phone numbers. Check to see whether any additional accounts were opened without your consent or whether unauthorized charges were billed to your accounts.

Contact Social Security Administration’s Fraud Hotline at 800-269-0271 to report the unauthorized use of you personal identification information.

Contact your State Department of Motor Vehicles to see whether the Department has issued an unauthorized license number in your name. If so, notify them that you are a victim of identity theft.

File a complaint with the Federal Trade Commission (FTC) by contacting the FTC’s Identity Theft Commission, 600 Pennsylvania Avenue, NW, Washington, D.C. 20580-0001 or on-line: www.consumer.gov/theft. Ask for a copy of “ID Theft: When Bad Things Happen to Your Good Name”, a free comprehensive guide to help you guard against, and recover from, identity theft.