Rev. 1/2011

FACTS	WHAT DOES OSSIAN STATE 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: n Social Security number and Account balances n Transaction or loss history and Mortgage rates and payments n Employment information and Credit 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 Ossian State Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information		Does OSSIAN STATE 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 don’t share
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 our affiliates to market to you		NO	We don’t share
For non-affiliates to market to you		NO	We don’t share
Questions?	Call 260-622-4141 or go to contactus@ossianstatebank.com.

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What we do
How does Ossian 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. Ossian State Bank, our affiliate, and our employees are committed to protecting the privacy of your nonpublic personal information.
How does Ossian State Bank collect my personal information?	We collect your personal information, for example, when you n Open an account or Use your credit or debit card n Make deposits or withdrawals from your account or Apply for a loan n Give us your wage statements 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 n sharing for affiliates’ everyday business purposes—information about your creditworthiness n affiliates from using your information to market to you n sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. n Ossian State Bank does not share with our affiliates.
Non-affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. n Ossian State 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. n Ossian State Bank does not jointly market.