Privacy Policy

Rev. 04/2014

An introduction to this privacy policy
Facts	What does WCF Financial 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 Income Account balances Payment history Credit history Employment history 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 WCF Financial Bank chooses to share; and whether you can limit this sharing.

Reasons why we share certain data, what data we share, and if you can limit our sharing
Reasons we can share your personal information	Does WCF Financial Bank share?	Can you limit this sharing?
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	Yes	No
For our marketing purposes— to offer our products and services to you	No	We Do Not Share
For joint marketing with other financial companies	No	We Do Not Share
For our affiliates’ everyday business purposes— information about your transactions and experiences	No	We Do Not Share
For our affiliates’ everyday business purposes— information about your creditworthiness	No	We Do Not Share
For affiliates to market to you	No	We Do Not Share
For nonaffiliates to market to you	No	We Do Not Share

What to do if you have questions
Questions?	Call us at 515-823-3071 or visit us at wcfbank.com

Who is providing this notice
Who we are
Who is providing this notice?	WCF Financial Bank

What we do with your personal information, how we collect it, and why you can’t limit all sharing
What we do
How does WCF Financial 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 WCF Financial Bank collect my personal information?	We collect your personal information, for example, when you: Open an account Make deposits or withdrawals Apply for a loan Give us your contact information Use your debit card Show us your government-issued ID We also collect your personal information from others, such as credit bureaus, affiliates, 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.
What happens when I limit sharing for an account I hold jointly with someone else?

Definitions of terms in this privacy policy
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Webster City Federal Bancorp.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. WCF Financial Bank does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. WCF Financial Bank does not engage in joint marketing activities.