Privacy Notice

Privacy is Important

rev. November 2010

An introduction to this privacy policy
Facts	What does Ladysmith Federal Savings and Loan do with your 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 and Current Address Income and Credit History Drivers License number and Account Balances 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 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 Ladysmith Federal Savings and Loan 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 Ladysmith Federal Savings and Loan 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	Yes	No
For joint marketing with other financial companies	No	We don't share
For our affiliates’ everyday business purposes— information about your transactions and experiences	No	We don't share
For our affiliates’ everyday business purposes— information about your creditworthiness	No	We don't share
For nonaffiliates to market to you	No	We don't share

What to do if you have questions
Questions?	Call (715) 532-3389 or go to ladysmithfederal.com.

What we do with your personal information, how we collect it, and why you can’t limit all sharing
What we do
How does Ladysmith Federal Savings and Loan 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 Ladysmith Federal Savings and Loan collect my personal information?	We collect your personal information, for example, when you: Open a deposit account or Apply for a consumer loan Apply for a mortgage or Lease a safe deposit box Apply for a commercial loan 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.

Definitions of terms in this privacy policy
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. None
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Credit Reporting Agencies, Title Companies, Check Printing Companies, Chex Systems.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. None

Download a printable version of the privacy notice.