Revised Date: December 2011     _____________________________________________________________________________________________FACTS 
What does West Liberty State Bank do with your personal information? 
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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. 
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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               * Transaction or loss history 
          *  Account balances                        * Credit history 
          *  Payment history                         * Checking account information 
When you are no longer our customer, we continue to share your information as described in the notice. 
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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 West Liberty State Bank chooses to share; and whether you can limit this sharing. 
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Reasons we can share your               Does West Liberty               Can you limit personal information                           State Bank share?               this sharing? 
 
For our everyday business purposes - 
such as to process your transactions,                       Yes                                    No 
maintain your account(s), respond to 
court orders and legal investigations, 
or report to credit bureaus 
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For our marketing purposes - 
to offer our products and services                            No                              We don't share 
to you 
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For joint marketing with other 
financial companies                                            No                               We don't share 
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For our affiliates' everyday 
business purposes - 
information about your transactions                          No                               We don't share 
and experiences 
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For our affiliates' everyday 
business purposes -                                            No                               We don't share 
information about your creditworthiness 
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For nonaffiliates to market to you                     No                               We don't share 
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Questions:  Call 319-627-2191 or go to www.wlsb-ia.com 
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What We do 
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How does West Liberty 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. 
 
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate. 
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How does West Liberty State Bank collect my personal information? 
We collect your personal information, for example, when you 
          *  Open an account                          *  Make a wire transfer 
          *  Apply for a loan                           *  Show your government-issued ID 
          *  Give us your income information 
 
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. 
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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. 
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Definitions 
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Affiliates                Companies related by common ownership or control.  They can be financial 
                               and non-financial companies. 
                                 * West Liberty State Bank does not share with our affiliates. 
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Nonaffiliates          Companies not related by common ownership or control.  They can be 
                               financial and non-financial companies. 
                                 * West Liberty State Bank does not share with nonaffiliates so they can 
                                    market to you. 
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Joint Marketing      A formal agreement between nonaffiliated financial companies that together 
                               market financial products or services to you. 
                                 *  West Liberty State Bank doesn't jointly market.   
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FDIC
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