CONFIDENTIALITY AND SECURITY OF NONPUBLIC PERSONAL INFORMATION

Keeping your financial information secure is one of our most important responsibilities. We value your trust and handle your information with care. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. Each Idaho Banking Company employee is required to follow our company’s “Code of Conduct”, which states that all customer information is considered private and privileged and is to be used solely for the purpose of providing you with the finest service available.

AVAILABILITY OF OUR PRIVACY POLICY

Our privacy policy is available in our branches and on our web site. It is also given to each consumer customer who opens an account with us and to all consumer customers at least once annually.

PROTECTING YOUR PRIVACY ONLINE

When you apply online for accounts or services, or enroll in Online Banking via our web page at www.idahobankingco.com, you provide personal information that is necessary for us to process your application. To ensure that your application remains confidential, the information is sent to us in a "secure session" established with Secure Socket Layer (SSL). This technology encrypts or scrambles your account information so it’s virtually impossible for anyone other than Idaho Banking Company to read it.

When you bank online with us, we, along with the outside companies we work with to bring these services to you, have access to your information. Information is retained on our system or the system of the appropriate outside company, depending on what is required in order to serve you. We use state-of-the-art internet technology, supported by the outside companies we work with, to make your online banking secure and to protect your personal information. We require a user ID and personal passcode to access your accounts. If you do not provide this information, we cannot establish an online banking service for you. You can help protect the security of your banking information by not sharing your ID or passcode with anyone, by changing your passcode regularly, and remembering to sign off when finished. 

SENDING SECURE E-MAIL TO THE BANK

When sending us e-mail please be careful about the information you send because e-mail to us and any other public web site can sometimes be intercepted.

Since our response back to you is not secure, we will not include confidential account information in the response unless you have given us permission to do so. You can always contact us by phone, U.S. mail or by visiting your nearest branch.

ABOUT COOKIES

To provide better service and a more effective web site, we use "cookies" as part of our interaction with your browser. A "cookie" is a small test file placed on your hard drive by our web page server. Cookies are commonly used on web sites and do not harm your system. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted. We use cookies to determine if you have previously visited our web site and for a number of administrative purposes. These cookies do not collect personally identifiable information, and we do not combine information collected through cookies with other personal information to determine who you are or your e-mail address.

PROTECTING OUR CHILDREN

We do not knowingly solicit data from children, and we do not knowingly market to children. We recognize that protecting children’s identities and privacy online is important and that the responsibility to do so rests with both the online industry and parents.

Please note that since we cannot control information on other internet sites, we are not responsible for the content of sites linked from www.idahobankingco.com.

CONSUMER REPORTING AGENCIES

As permitted by law, it is commonplace for financial institutions like Idaho Banking Company to share information about customers' accounts with consumer reporting agencies. However, if you believe some of the information we have shared or may share is inaccurate, please let us know by writing to Idaho Banking Company at the address listed on your statements.

In order to make this request, you must provide your:

1. Complete Name
2. Current Address
3. Home Phone Number
4. Social Security Number
5. Account Number (s) Affected
6. Type of Account
7. A copy of the Specific Item In Dispute
8. The Reason You Believe This Information Has Been Reported In Error

We will research your request and, if it is determined that an error exists, we will submit a correction promptly in accordance with the Fair Credit Reporting Act.

PREVENTING IDENTITY THEFT
Identify theft is a serious crime. It occurs when your personal information is stolen or used without your knowledge to commit fraud or other crimes.

Deter Identity Thieves By Safeguarding Your Information

• Carefully monitor the balances and statements of all your financial records.
• Shred financial documents and paperwork with personal information before you discard them.
• Protect your Social Security number. Don’t carry your card with you or write the number on a check. Give it out only if absolutely necessary to trusted sources.
• Don’t give out personal information on the phone, through the mail, or over the Internet unless you know who you are dealing with.
• Never click on links sent in unsolicited emails; instead, type in a web address you know.
• Don’t use an obvious password like your birth date, your mother’s maiden name, or the last four digits of your Social Security number.
• Keep your personal information in a secure place at home, especially if you have roommates, employ outside help, or are having work done in your house.
• Review your credit report regularly. By law, you are entitled to annually receive a free copy of your credit report from each credit bureau. To order your free annual reports, call 1-877-322-8228 or visit www.annualcreditreport.com.

Be Alert To Signs That Require Immediate Attention

• Bills that do not arrive as expected.
• Unexpected credit cards or account statements.
• Denials of credit for no apparent reason.
• Calls or letters about purchases you did not make.

Identity Theft Victims: Immediate Steps

• Place a “Fraud Alert” on your credit report and review your credit report carefully.

• Close the accounts that you know, or believe, have been tampered with or opened fraudulently.
• File a police report with your local police or the police in the community where the identity theft took place.
• Report the theft and file a complaint with the Federal Trade Commission.

More information about Identify Theft is available at:

01/01/2011