EBANK's On.Line Privacy Policy

Earlham Savings Bank is committed to providing the highest level of security and privacy regarding the collection and use of our customers' personal information. As professional financial service providers, we respect the privacy of our customer's information and are committed to treating it responsibly. Our employees access information about you only when necessary to maintain your accounts or when considering a request from you for additional services.

Our Internet Web Site

Visitors to the Earlham Savings Bank web site remain anonymous. We do not collect personal identifying information about site users unless you choose to submit such information to us. Standard software is used to collect and store ONLY the following identifying information about our visitors: The name and internet service provider from which you accessed the internet, the date and time you accessed our site and the internet address of the web site from which you linked directly to our site.

Visitors may elect to provide us with personal information via e-mail. This information is used internally, as appropriate, to handle the sender's request and manage the Earlham Savings Bank 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 this level of privacy, please use the clear button on the form and cancel the e-mail before it is sent. Visitors should call us directly at 515-223-4753 if requests include sensitive information, such as your account number or PIN number for your Earlham Savings Bank ATM or debit card, or password information for online banking.

Earlham Savings Bank is committed to protecting your privacy. Our purpose through our online presence is to collect only the information necessary to deliver excellent service, use that information responsibly and keep you fully informed of how that information is being used.

Collection, Retention and Use of Customer Information

The collection of personal information is designed to protect access to your personal accounts and to assist the bank in providing you with the products you want and need. We collect and retain information only for business purposes. We use that information to protect and administer our customers' records and accounts, to comply with state and federal regulations, to assist us in designing or improving our products and services and to understand your financial needs and provide you quality products and 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 that you may have expressed.

Limited Employee access to Personal Information

Earlham Savings Bank limits employee access to your personal information to those employees with a business reason for knowing such information. We educate all employees about the importance of confidentiality and customer privacy. We take appropriate measures to enforce employee privacy responsibilities to further safeguard the privacy of your personal information.

Maintenance of Accurate Information

We have implemented procedures to help assure that our customers' financial information is accurate, current and complete in accordance with commercially reasonable standards. While federal or state law requires some procedures, we also have procedures for responding to requests to correct inaccurate information in a timely manner and to update information promptly. Customers should notify us immediately by calling 515-223-4753 if they receive what they believe to be inaccurate information regarding their Earlham Savings Bank account.

Restrictions on Disclosure of Account Information

We do not reveal information about our customers accounts or other personally identifiable data to parties outside our bank unless (1) our customer has requested or authorized it; (2) the information is provided to complete a transaction initiated by our customer; (3) the information is provided to a reputable credit bureau or similar reporting agency; or (4) the disclosure is lawfully permitted or required. We do not provide account or personal information to non-affiliated companies for the purpose of independent telemarketing or direct mail marketing.

Maintaining Your Privacy in Business Relationships with Parties Outside Earlham Savings Bank

Sometimes it is necessary to provide personally identifiable information about you to a party outside our bank such as a vendor or service provider that we hire to prepare your account statements or to provide support or service for one or more of our products. These vendors and service providers agree to safeguard our confidential information about you and your products and services with us and must abide by applicable law.

Protecting Children

Earlham Savings Bank does not knowingly solicit data from children and we do not knowingly conduct online marketing to children. We recognize that protecting children's identity and privacy is important and the responsibility to do so rests with both the online industry and the parents.

If you believe Earlham Savings Bank has misused information obtained through our relationship with you or through our website, or if you have any questions regarding this privacy procedure, please contact Earlham Savings Bank at 515-223-4753 to resolve any disputes.