Iowa State Bank & Trust Company
Privacy Policy Disclosure

September 2006

Protecting your privacy is important to Iowa State Bank & Trust Company and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all Iowa State Bank & Trust Company employees for collection, use, retention, and security of nonpublic personal information.

What Information We Collect

On Customers of ISB&T

We may collect "nonpublic personal information" about you from the following sources:

• Information we receive from you on applications or other forms, such as your name, address, social security number and assets.
  
• Information about your transactions with us or others, such as your account balance and payment history.
  
• Information we receive from third parties such as credit bureaus, your creditworthiness and credit history.
  

By visiting our website (www.isbt.com):

If you visit our website we will not collect or store any information unless you choose to provide the information to us. You can choose to submit information to us by completing an online account application or information request, send an e-mail to our Webmaster, or send information using our online Secure Guestbook.

We do not use persistent "cookies" or tracking mechanisms that collect personally identifying information on our sites. A "cookie" is a small text file that a web site can place on your computer's hard drive in order for example, to collect information about your activities on the site. The cookie transmits this information back to the Web site's computer which, generally speaking, is the only computer that can read it. Many consumers do not know that "cookies" are being placed on their computers when they visit web sites. If you want to know when this happens, or to prevent it from happening, you can set your browser to alert you when a web site attempts to place a "cookie" on your computer.

If you choose to provide information to us:

We collect any personally identifying information, such as your name, street address, e-mail address, and phone number, and any other information you provide to us.

In accordance with the Children's Online Privacy Protection Act (COPPA), when a visitor communicates with us and indicates an age under 13, no personally identifying information is collected in conjunction with that submission; we will attempt to contact the parent to obtain parental consent, provide parental notice, or explain to the child parental consent is needed.

E-mail - If you choose to send us a communication by electronic mail (e-mail), please be aware that your e-mail address is in the header information. We will use your e-mail information to respond to your request. We will not place your e-mail address on any lists, so you will not receive unsolicited e-mail from us. Please be aware that e-mail is not secure and may be intercepted. If your request includes sensitive information such as your social security number, account number, etc., please contact us online using our Secure Guestbook (link) or by phone at (319) 356-5800. We will only send you general information via e-mail.

Online Banking and Online Bill Pay -When you use our Online Banking and Online Bill Pay services, the bank and its online banking service provider has access to your personal account information. This information is retained on the bank's and its internet banking service provider's secure systems with access limited to employees on a need to know basis. User access codes are required to use these online services. Users must keep these numbers and codes confidential to prevent unauthorized access to their accounts and to prevent unauthorized use of these services.

HOW WE USE AND DISCLOSE INFORMATION:

If you choose to provide personally identifying information to us, we will use and disclose it as described in this Privacy Policy. We will not share this information outside of the bank unless we are legally compelled to do so.

What Information We Disclose

We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf. For example, occasionally we may use service providers to assist us in marketing our products to you.

We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus. We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

SECURITY INFORMATION:

What you should know about the security of the information you provide to us:

We also take steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. Employees who violate these standards will be subject to disciplinary measures. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

We use secure socket layer (SSL) encryption to protect the transmission of the information you submit to us when you use our Secure Guestbook The information you provide to us is stored securely.

Our website links to documents located on sites maintained by other organizations. Once you access another site, you are subject to the privacy policy of that site.

CONTACT US

If you have technical problems with the operation of our website, please report them to our Secure Guestbook.

If you have questions or complaints regarding our privacy policy or use of your information, please contact us by mail at:

Mary Sigman, Privacy Officer
Iowa State Bank & Trust Co.
P.O. Box 1700
Iowa City, IA 52244-1700