Privacy Policy

Revised October 9, 2023

WHAT DOES APPLE RIVER STATE BANK 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 Score

Apple River State Bank Mobile & or Apple River Business Mobile apps may collect additional personal information from you such as:

E-mail Address
User IDs

Device images/videos may be accessed when you deposit a check using mobile deposit.
Device contact lists may be accessed when you make peer to peer payments or other payments functionality.
Device location may be accessed to provide branch and ATM locations.

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 Apple River State Bank chooses to share; and whether you can limit this sharing

Reasons we can share your personal information.

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.

Does Apple River State Bank Share? - Yes
Can you limit this sharing? - No

For our marketing purposes — To offer our products and services to you.

Does Apple River State Bank Share? - Yes
Can you limit this sharing? - No

For joint marketing with other financial companies.

Does Apple River State Bank Share? - No
Can you limit this sharing? - We do not share

For our affiliates’ everyday business purposes — Information about your transactions and experiences.

Does Apple River State Bank Share? - No
Can you limit this sharing? - We do not share

For our affiliates’ everyday business purposes — Information about your creditworthiness.

Does Apple River State Bank Share? - No
Can you limit this sharing? - We do not share

For nonaffiliates to market to you.

Does Apple River State Bank Share? - No
Can you limit this sharing? - We do not share

Questions? Call 815.777.6300 or go to www.appleriverstatebank.com.

Who we are?

Who is providing this notice?

Apple River State Bank

What we do?

How does Apple River State Bank 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 Apple River State Bank 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 Debit Card

We also collect your personal information from others, such as credit bureaus 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.

Apple River State Bank does not share with its affiliates.

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

Apple River State bank does not share with nonaffiliates so they can market to you.

Joint marketing - A formal agreement between nonaffi liated financial companies that together market financial products or services to you.

Apple River State bank does not jointly market.