Privacy Notice

NOTICE OF YOUR FINANCIAL
PRIVACY RIGHTS

We, our, and us, when used in this notice, mean IBT Bancorp and its family of companies: Isabella Bank and Trust, including Farmers State Bank of Breckenridge Division, Farwell State Savings Bank Division, FSB Mortgage Company, IBT Mortgage Company, IBT Loan Production, Inc., IBT Personnel, LLC, IB&T Employee Leasing, LLC, Financial Group Information Services, Inc., IBT Title and Insurance Agency, Inc. DBA: Isabella County Abstract Company, IBT Title-Clare County, Mecosta County Abstract & Title Company, Benchmark Title Company, Milltown Title & Escrow Co., and Pere Marquette Abstract & Title, LLC.

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
Credit card account
Safe deposit box
Retail installment contract we hold and service
Self-directed Individual Retirement Account

We will tell you the sources of the information we collect about you. 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. 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 applications or other forms
Information about your transactions with us
Information about your transactions with our affiliates
Information about your transactions with other parties
Information from a consumer reporting agency
Information we receive as a result of verifying customer information

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.

YOUR INFORMATION AND OUR AFFILIATES

We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information:

Transaction and experience information from our account records:

Information about your transactions and experience with us, such as:

Name
Address
Account balances
Account activity
Types of accounts
Credit card usage
Payment history
Deposit history

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

Types of Affiliates

We may disclose information about you to the following types of affiliates:

Financial service providers, such as:
Mortgage bankers
Insurance agents
Bankers
Title insurance companies

Reasons For Disclosure

We may disclose information about you to our affiliates:

to provide you with information about additional products and services.
to establish and maintain your accounts.

YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

AUTHORIZED SHARING - OUTSIDE MARKETING SERVICES

We may disclose the following information to companies that perform marketing services on our behalf:

Information you give us on an application or other forms, such as:

Name
Address

We disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose information about you to other outside marketing services as permitted by law.

Types of Businesses

Here are the types of businesses with whom we may disclose information for outside marketing purposes:

Service providers that perform marketing services for us, such as:

Direct sales companies

Reasons For Disclosing

We may disclose information about you to companies that perform marketing services on our behalf to provide you with information about additional products and services.

AUTHORIZED SHARING - JOINT MARKETING

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

Information you give us on an application or other forms, such as:

Name
Address
Social Security Number
Assets
Income

Information about your transactions with us, such as:

Account balances
Account activity
Types of accounts
Parties to the transaction
Payment history
Deposit history

We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.

Types of Businesses

We may disclose information pursuant to joint marketing agreements to the following types of businesses:

Financial service providers, such as:

Securities broker-dealers
Insurance agents
Credit card providers

Reasons For Disclosing

We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services.

1160498-030
© 2000 Wolters Kluwer Financial Services - Bankers Systems™
Form PRIV-DISC 9/4/2001 2.1/3346