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PRIVACY DISCLOSURE

Notice of your Privacy Rights

This is our privacy notice for our customers.  When we use the words "you" and "your" we mean the following types of customers:

Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n): Deposit account Loan account Safe deposit box Online Banking All IRA accounts for which we act as trustee

We will tell you the sources of information we collect about you.  We will tell you what measures we take to secure that information. We first define some terms. We, our, and us, when used in this notice, mean Ripley Federal Savings Bank.  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.  Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section. 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 person we do not employ or a company that is not an affiliate of ours.  This is also known as nonaffiliated third party, or simply, an "other party". THE INFORMATION WE COLLECT We collect information about you from the following sources:

Information you give us on application or other forms Information about your transactions with us Information about your transactions with other parties Information from a consumer reporting agency

INFORMATION WE DISCLOSE ABOUT YOU We do NOT disclose any information about you to anyone, except as permitted by law.  Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions. THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION We restrict access to 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 to protect this information. Procedures exist to ensure that customer financial information is accurate, current and complete. Our staff reponds to requests to correct inaccurate information in a timely manner. CHILDREN'S ONLINE POLICY The law requires parental consent to collect or use information from a child under the age of 13. If you are a child under the age of 13, please show this to your parents and do not use the online services of this institution without verifiable parental consent pursuant to the Children's Online Privacy Protection Act. LINKS TO EXTERNAL SITES At times, we may provide links to sites outside the control of Ripley Federal Savngs Bank. Provided links are meant to supplement our products, services or information or provide other information we believe are reputable, we do not make any representations concerning the linked sites' contents or availability. Please note that linked sites may have different privacy and information security policies than Ripley Federal Savings Bank. You should review each site's privacy and information security policies carefully before you enter confidential information onto the site. INFORMATION ABOUT FORMER CUSTOMERS We do not disclose information about former customers, except as permitted by law. If you have any questions please contact us at: P.O. Box 220 1006 S. Second Street Ripley, Ohio 45167 Phone:937-392-4375 Fax:937-392-1163