Your Privacy Matters | Decorah Bank & Trust

FACTS	What does Decorah Bank & Trust Co. and Cresco Bank & Trust Co. 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 Decorah Bank & Trust Co. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Decorah Bank & Trust 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	Yes	No
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 nonaffiliates to market to you	No	We don't share

Questions?

Call 563-382-9661 or go to www.decorah.bank or www.cresco.bank

Who We Are
Who is providing this notice?	Decorah Bank & Trust Co. Cresco Bank & Trust Co., a division of Decorah Bank & Trust Co.

What We do
How does Decorah Bank & Trust Co. 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. We restrict access to non-public information about you to employees who need to know that information to provide services to you.
How does Decorah Bank & Trust Co. collect my personal information?	We collect your personal information, for example, when you open an account or make a deposit pay bills or use your debit card apply for a loan 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.

What We do

How does Decorah Bank & Trust Co. 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.

We restrict access to non-public information about you to employees who need to know that information to provide services to you.

How does Decorah Bank & Trust Co. collect my personal information?

We collect your personal information, for example, when you

open an account or make a deposit
pay bills or use your debit card
apply for a loan

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. Decorah Bank & Trust has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be ﬁnancial and nonﬁnancial companies. Decorah Bank & Trust Co. doesn't 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. Our joint marketing partner for our Wealth Management Services is LPL Financial LLC.

Definitions

Affiliates

Companies related by common ownership or control. They can be ﬁnancial and nonfinancial companies.

Decorah Bank & Trust has no affiliates.

Nonaffiliates

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

Decorah Bank & Trust Co. doesn't 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.

Our joint marketing partner for our Wealth Management Services is LPL Financial LLC.

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