Because Your Trust Is So Important
Your trust is the cornerstone of our relationship. That is why we work diligently to safeguard your privacy. The information that you provide us is kept in the strictest of confidence. We have no intentions of selling personal information about our customers to third-party businesses. We are proud to make that commitment to you, because your trust is the foundation of our business.

The following privacy policy explains how we use and protect the information about our customers. We ask that you read it carefully.

Notice of Your Financial Privacy Rights
We, our, and us, when used in this notice, mean Charter Bank Eau Claire. This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

• All of our consumer customers who have a continuing relationship with us, such as:
  • Deposit account
  • Loan account
  • Credit card
  • Safe deposit box
  • Retail installment contract we hold and service
  • Self-directed Individual Retirement Account where we act as custodian or trustee
  • Financial, investment, or economic advisory services (for a fee)
  • Home mortgage brokerage

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.

The Information That We Collect
We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications and other forms
• Information about your transactions with us
• Information about your transactions with our affiliates
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

Information That We Disclose About You
We do NOT disclose any nonpublic personal information about you to anyone, except as permitted by law.

The Confidentiality, Security, and Integrity of Your Nonpublice Personal Information
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Nonpublic Personal Information and Former Customers
We do not disclose nonpublic personal information about former customers, except as permitted by law.