Type: II. PROPERTY INFORMATION AND PURPOSE OF LOAN

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1 Uniform Residential Loan Application This application is designed to be completed by the applicant(s) with the Lender's assistance. Applicants should complete this form as "" or "Co-," as applicable. Co- information must also be provided (and the appropriate box checked) when the income or assets of a person other than the "" (including the 's spouse) will be used as a basis for loan qualification or the income or assets of the 's spouse or other person who has community property rights pursuant to state law will not be used as a basis for loan qualification, but his or her liabilities must be considered because the spouse or other person has community property rights pursuant to applicable law and resides in a community property state, the security property is located in a community property state, or the is relying on other property state as a basis for repayment of the loan. If this is an application for joint credit, and Co- each agree that we intend to apply for joint credit (sign below): Co- I. TYPE OF MORTGAGE AND TERMS OF LOAN Mortgage VA Conventional Other (explain): Agency Case Number Applied for: FHA USDA/Rural Housing Service Amount Interest Rate. of Months Amortization Fixed Rate Other (explain): % Type: GPM ARM (type): Subject Property Address (street, city, state & ZIP) II. PROPERTY INFORMATION AND PURPOSE OF LOAN Lender Case Number. of Units Legal Description of Subject Property (attach description if necessary) Year Built Purpose of Loan Purchase Construction Other (explain): Refinance Construction-Permanent Complete this line if construction or construction-permanent loan. Year Lot Original Cost Amount Existing Liens (a) Present Value of Lot Acquired Complete this line if this is a refinance loan. Year Original Cost Amount Existing Liens Purpose of Refinance Acquired Property will be: Primary Secondary Residence Residence (b) Cost of Improvements Total of (a+b) Describe Improvements made Investment to be made Title will be held in what Name(s) Source of Down Payment, Settlement Charges and/or Subordinate Financing (explain) Manner in which Title will be held Cost: Estate will be held in: Fee Simple Leasehold (show expiration date) 's Name (include Jr. or Sr. if applicable) III. BORROWER INFORMATION Co- Co-'s Name (include Jr. or Sr. if applicable) Social Security Number Home Phone (incl. area code) DOB (MM/DD/YYYY) Yrs. School Social Security Number Home Phone (incl. area code) DOB (MM/DD/YYYY) Yrs. School Married Separated Unmarried (include single, divorced, widowed) Dependents (not listed by Co-) no. ages Married Separated Unmarried (include single, divorced, widowed) Dependents (not listed by ) no. ages Present Address (street, city, state, ZIP) Own Rent. Yrs. Present Address (street, city, state, ZIP) Own Rent. Yrs. Mailing Address, if different from Present Address Mailing Address, if different from Present Address If residing at present address for less than two years, complete the following: Former Address (street, city, state, ZIP) Own Rent. Yrs. Former Address (street, city, state, ZIP) Own Rent. Yrs. IV. EMPLOYMENT INFORMATION Yrs. on this job Co- Yrs. on this job Yrs. employed in this line of work/profession Yrs. employed in this line of work/profession Business Phone (incl.area code) Business Phone (incl.area code) If employed in current position for less than two years or if currently employed in more than one position, complete the following: s (from-to) s (from-to) Monthly Income Monthly Income Business Phone (incl.area code) Business Phone (incl.area code) s (from-to) s (from-to) Monthly Income Monthly Income Business Phone (incl.area code) Business Phone (incl.area code) Freddie Mac Form 65 efipco Page 1 of 4 Distributed by FIPCO - (800) Fannie Mae Form 1003

2 Gross Monthly Income Base Empl. Income* Overtime Bonuses Commissions Dividends/Interest Net Rental Income Other (before completing, see the notice in "describe other income," below) V. MONTHLY INCOME AND COMBINED HOUSING EXPENSE INFORMATION Co- Total Combined Monthly Housing Expense Rent First Mortgage (P&I) Other Financing (P&I) Hazard Insurance Real Estate Taxes Mortgage Insurance Homeowner Assn Dues. Other: Present Proposed Total Total * (s) may be required to provide additional documentation such as tax returns and financial statements. Describe Other Income tice: Alimony, child support, or separate maintenance income need not be revealed if the (B) B/C or Co- (C) does not choose to have it considered for repaying this loan. Monthly Amount This Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-s if their assets and liabilities are sufficiently joined so that the Statement can be meaningfully and fairly presented on a combined basis; otherwise, separate Statements and Schedules are required. If the Co- section was completed about a non-applicant spouse or other person, this Statement and supporting schedules must be completed about that spouse or other person also. Completed Jointly t Jointly ASSETS Description Cash deposit toward purchase held by: List checking and savings accounts below Name and address of Bank, S&L, or Credit Union Cash or Market Value VI. ASSETS AND LIABILITIES Liabilities and Pledged Assets. List the creditor's name, address and account number for all outstanding debts, including automobile loans, revolving charge accounts, real estate loans, alimony, child support, stock pledges, etc. Use continuation sheet, if necessary. Indicate by (*) those liabilities, which will be satisfied upon sale of real estate owned or upon refinancing of the subject property. Monthly Payment & LIABILITIES Unpaid Balance Months Left to Pay Payment/Months Acct. Payment/Months Name and address of Bank, S&L, or Credit Union Acct. Name and address of Bank, S&L, or Credit Union Payment/Months Acct. Name and address of Bank, S&L, or Credit Union Payment/Months Acct. Stocks & Bonds (Company name/number description) Payment/Months Payment/Months Life Insurance net cash value Face amount: Subtotal Liquid Assets Real Estate owned (enter market value from schedule of real estate owned) Vested interest in retirement fund Net Worth of business(es) owned (attach financial statement) Automobiles owned (make and year) Payment/Months Alimony/Child Support/Separate Maintenance Payments Owed to: Other Assets (itemize) Job Related Expenses (child care, union dues, etc.) Total Monthly Payments Net Worth Total Assets a. (a minus b) Total Liabilities b. Freddie Mac Form 65 Page 2 of 4 Distributed by FIPCO - (800) Fannie Mae Form 1003

3 VI. ASSETS AND LIABILITIES (Continued) Schedule of Real Estate Owned (If additional properties are owned, use continuation sheet.) Property Address (enter S if sold, PS if pending sale or R if rental being held for income) Type of Property Present Market Value Amount of Mortgages & Liens Gross Rental Income Mortgage Payments Insurance, Maintenance, Taxes & Misc. Net Rental Income Totals List any additional names under which credit has previously been received and indicate appropriate creditor name(s) and account number(s): Alternate Name Creditor Name Account Number VII. DETAILS OF TRANSACTION a. Purchase price b. Alterations, improvements, repairs c. Land (if acquired separately) d. Refinance (incl. debts to be paid off) e. Estimated prepaid items VIII. DECLARATIONS If you answer "Yes" to any questions a through i, please use continuation sheet for explanation. a. Are there any outstanding judgements against you? b. Have you been declared bankrupt within the past 7 years? c. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years? Yes Co- Yes f. Estimated closing costs g. PMI, MIP, Funding Fee h. Discount (if will pay) i. Total costs (add items a through h) j. Subordinate financing k. 's closing costs paid by Seller l. Other Credits (explain) d. e. f. Are you a party to a lawsuit? Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer of title in lieu of foreclosure, or judgment? (This would include such loans as home mortgage loans, SBA loans, home improvement loans, educational loans, manufactured (mobile) home loans, any mortgage, financial obligation, bond, or loan guarantee. If "Yes," provide details, including date, name and address of Lender, FHA or VA case number, if any, and reasons for the action.) Are you presently delinquent or in default on any Federal debt or any other loan, mortgage, financial obligation, bond, or loan guarantee? If "Yes," give details as described in the preceding question. m. Loan amount (exclude PMI, MIP, Funding Fee financed) n. PMI, MIP, Funding Fees financed o. Loan amount (add m & n) p. Cash from/to (subtract j, k, l & o from i) g. h. i. j. k. l. m. Are you obligated to pay alimony, child support, or separate maintenance? Is any part of the down payment borrowed? Are you a co-maker or endorser on a note? Are you a U.S. Citizen? Are you a permanent resident alien? Do you intend to occupy the property as your primary residence? If "Yes," complete question m below. Have you had an ownership interest in a property in the last three years? (1) What type of property did you own principal residence (PR), second home (SH), or investment property (IP)? (2) How did you hold title to the home solely by yourself (S), jointly with your spouse (SP), or jointly with another person (O)? IX. ACKNOWLEDGMENT AND AGREEMENT Each of the undersigned specifically represents to Lender and to Lender's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees and acknowledges that: (1) the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent misrepresentation of this information contained in this application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any misrepresentation that I have made on this application, and/or in criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Sec. 1001, et seq.; (2) the loan requested pursuant to this application (the "Loan") will be secured by a mortgage or deed of trust on the property described in this application; (3) the property will not be used for any illegal or prohibited purpose or use; (4) all statements made in this application are made for the purpose of obtaining a residential mortgage loan; (5) the property will be occupied as indicated in this application; (6) the Lender, its servicers, successors or assigns may retain the original and/or an electronic record of this application, whether or not the Loan is approved; (7) the Lender and its agents, brokers, insurers, servicers, successors, and assigns may continuously rely on the information contained in the application, and I am obligated to amend and/or supplement the information provided in this application if any of the material facts that I have represented herein should change prior to closing of the Loan; (8) in the event that my payments on the Loan become delinquent, the Lender, its servicers, successors or assigns may, in addition to any other rights and remedies that it may have relating to such delinquency, report my name and account information to one or more consumer credit reporting agencies; (9) ownership of the Loan and/or administration of the Loan account may be transferred with such notice as may be required by law; (10) neither Lender nor its agents, brokers, insurers, servicers, successors or assigns has made any representation or warranty, express or implied, to me regarding the property or the condition or value of the property; and (11) my transmission of this application as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or my facsimile transmission of this application containing a facsimile of my signature, shall be as effective, enforceable and valid as if a paper version of this application were delivered containing my original written signature. Acknowledgement. Each of the undersigned hereby acknowledges that any owner of the Loan, its servicers, successors and assigns, may verify or reverify any information contained in this application or obtain any information or data relating to the Loan, for any legitimate business purpose through any source, including a source named in this application or a consumer reporting agency. 's Signature X Co-'s Signature X. INFORMATION FOR GOVERNMENT MONITORING PURPOSES The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. The law provides that a lender may not discriminate either on the basis of this information, or on whether you choose to furnish it. If you furnish the information, please provide both ethnicity, and race. For race, you may not check more than one designation. If you do not furnish ethnicity, race, or sex, under Federal regulations, this lender is required to note the information on the basis of visual observation or surname if you have made this application in person. If you do not wish to furnish the information, please check the box below. (Lender must review the above material to assure that the disclosures satisfy all requirements to which the Lender is subject under applicable state law for the particular type of loan applied for.) BORROWER I do not wish to furnish this information CO-BORROWER I do not wish to furnish this information Ethnicity: Hispanic or Latino t Hispanic or Latino Ethnicity: Hispanic or Latino t Hispanic or Latino Race: American Indian or Alaska Native Asian Native Hawaiian or Other Pacific Islander White Sex: Female Male To be Completed by Loan Originator: This information was provided: In a face-to-face interview In a telephone interview By the applicant and submitted by fax or mail By the applicant and submitted via or the Internet Loan Originator's Signature X Loan Originator's Name (print or type) Black or African American Loan Originator Identifier X Race: Sex: American Indian or Alaska Native Native Hawaiian or Other Pacific Islander Female Asian White Male Black or African American Loan Originator's Phone Number (including area code) Loan Origination Company's Name Loan Origination Company Identifier Loan Origination Company's Address Freddie Mac Form 65 Page 3 of 4 Distributed by FIPCO - (800) Fannie Mae Form 1003

4 CONTINUATION Use this continuation sheet if you need more space to complete the Residential Loan Application. Mark B for or C for Co-. SHEET / RESIDENTIAL LOAN APPLICATION : Co-: Agency Case Number: Lender Case Number: I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning any of the above facts as applicable under the provisions of Title 18, United States Code, Section 1001, et seq. 's Signature Co-'s Signature X X Freddie Mac Form 65 Page 4 of 4 Distributed by FIPCO - (800) Fannie Mae Form 1003

5 APPRNO (2/14) efipco 2014 Wisconsin Bankers Association/Distributed by FIPCO Jackson County Bank 8 Main Street, PO Box 490 Black River Falls, WI NOTICE OF RIGHT TO RECEIVE COPY OF APPRAISAL To Mortgage Loan Applicant(s): Application d We may order an appraisal to determine the property s value and charge you for this appraisal. We will promptly give you a copy of any appraisal, even if your loan does not close. You can pay for an additional appraisal for your own use at your own cost. Additional Provisions: (Type of Organization) EAPPRNO Rev. 2/2014

6 1003 FACT (3/06) efipco Wisconsin Bankers Association / Distributed by FIPCO FACT ACT ADDENDUM TO UNIFORM RESIDENTIAL LOAN APPLICATION Applicants: This Addendum supplements and is made a part of the attached Uniform Residential Loan Application. We acknowledge that income from medical insurance, disability or wage continuation insurance need not be revealed in the description of other income on page 2 of the Uniform Residential Loan Application unless we choose to have it considered as a basis for repaying this loan. The extent to which parties may verify, reverify or obtain any information or data relating to the Loan according to the Acknowledgement on page 3 of the Uniform Residential Loan Application may be limited by applicable Federal Law. d Applicant Signature Co-Applicant Signature

7 BORROWER SIGNATURE AUTHORIZATION (s) Lender Name and Address Loan Number The undersigned authorize Lender to attach to this form or a copy of this form, one or more of a FNMA form of Request for Verification of Employment, or Deposit or Rent or Mortgage Account, and agree that my signature, or a copy of my signature on this form, shall constitute my signature upon such attachment and authorize verification of the attachment, the same as if the undersigned had signed the attachment as an original document. It is understood that a copy of this form will also serve as an authorization. If the loan closes, the undersigned authorize that all or part of the application information may be verified as part of a post closing audit. efipco

8 HAZARD INSURANCE REQUIREMENTS An insurance policy may take several weeks to procure and, accordingly, you should not delay contacting the appropriate providers. THE FAILURE TO PROCURE A POLICY AND PROVIDE IT TO YOUR LENDER MAY DELAY THE LOAN CLOSING. Part 1 HOMEOWNERS INSURANCE Your lender and FHA/VA/FNMA/WHEDA/RURAL DEVELOPMENT have basic, minimum hazard insurance requirements related to your home mortgage, which are described below: 1. Coverage must be at least fire and extended coverage with a special form coverage endorsement, i.e. fire only DP1 or DF 1, homeowners policy HO1. The insurance must not limit or exclude from coverage (in whole or in part) windstorm, hurricane, hail damages, or any other perils that are normally included under an extended coverage endorsement. 2. The amount of insurance coverage must be at least equal the lesser of (1) 100% of the insurable value of the improvements as established by the property insurer; or (2) the unpaid balance of the mortgage, with a replacement cost endorsement to compensate for the full amount of damage or loss to improvements. 3. Acceptable proofs of coverage include: Evidence/Certificates of Insurance, Binders, Declaration Pages, and Policies. The term of a binder may not exceed 90 days. 4. Properties being improved or rehabilitated are subject to the same standards of coverage as noted in paragraph number two. This means that if necessary, following completion of the repair or rehabilitation work, you may need to increase your insurance coverage. Further, for properties being improved or rehabilitated, additional premiums may be required for sub-par properties. Once you have completed the improvements or rehabilitation, you should contact your insurance agent to see if you can or should change your coverage and your premium. The coverage must also properly reflect your actual occupancy of the property. 5. Changes in federal or state laws or regulations, or other changed circumstances, may require your lender to modify its insurance requirements to include additional types or amounts of coverage. In such an event your lender will notify you prior to the effective date of any additional coverage so that you may purchase such required coverage. If you fail to purchase such required coverage, your lender may do so on your behalf and, in such event, your lender will bill you for the insurance premium for such coverage. Part 11 - FLOOD INSURANCE Flood insurance must be purchased on any improved real estate that is located in an area that has been identified by FEMA (the Federal Emergency Management Agency) as a Special Flood Hazard Area. If your home is located in a Special Flood Hazard Area, you must purchase adequate flood insurance. The determination that your home is in a Special Flood Hazard Area may be made at the time of loan origination or at any time during the term of your loan. 1. You must purchase flood insurance only with respect to improvements located in Special Flood Hazard Areas (SFHA) designated by FEMA on its Flood Hazard Boundary Maps and Flood Insurance Rate Maps, and whose Zone designations are e.g. with out limitation, A, AO, AH, A1-30, AE, A99, AR, AR/A1-30, AR/AE, AR/AO, ARAH, AR/A, VO, or v1-30, VE or V. Improvement means your home and other structures, such as your garage, that are given value in determining the appraised value of your property. You are not required to purchase flood insurance unless some portion of the improvements is located in a SFHA. As to improvements located wholly outside of a SFHA and whose Zone designations are B, C, X or D, flood insurance is not mandatory. However, your lender may require flood insurance on properties located in zones B, C, X and D, bearing in mind that historically a significant level of all flood losses has occurred in these zones. In addition, your lender may require flood insurance even if the home that is security for the loan in located outside of a SFHA. 2. The amount of coverage must be equal to the lesser of (1) the minimum amount required, under the terms of the coverage, to compensate for any damage or loss on a replacement cost basis (or the unpaid principal balance of the loan, if replacement cost coverage is not available for the type of dwelling insured); or, (2) the maximum insurance available under the appropriate NFIP. 3. Even if flood insurance is not mandatory, you may want to consider purchasing flood insurance now or at a later date. 4. Your lender can require you to purchase flood insurance at any time during the term of the loan. In addition, changes in federal or sate laws or regulations, or other changed circumstances, may require your lender to modify its insurance requirements to include additional types or amounts of coverage. For example, your lender may require additional coverage when a community coverts from FEMA s Emergency program to the Regular Program. Your lender will notify you prior to the date that any additional coverage is required. 5. If at the time of loan origination or at any time during the term of the loan your lender determines that the improvements are located in a Special Flood Hazard Area and you do not have adequate flood insurance, it will notify you that you must obtain adequate flood insurance, at your expense. If you fail to purchase or maintain flood insurance within 45 days of receiving such notice, your lender may purchase adequate flood insurance on your behalf and at your expense, and will bill you for the cost of premiums and fees it incurs in purchasing the flood insurance. Any amounts paid by your lender will become an additional obligation secured under your loan. 6. A flood insurance policy must be issued by the NFIP or meet the following requirements: (1) the insurer must be properly licensed to do business where the property is located; (2) the policy must include an endorsement which requires the insurer to give insured and the lender written notice of cancellation or nonrenewal at least 30 days prior to the effective date of cancellation or nonrenewal; and (3) the policy should guarantee that the flood insurance coverage is at least as broad as the coverage offered by the NFIP policies.

9 Part 111 GENERAL 1. Unless a higher maximum amount is required by law, the maximum dwelling deductible for homeowners/fire insurance and flood insurance may not exceed the higher of 1,000 or 1% of the face amount of the dwelling coverage. With regard to wind/hurricane coverage, the maximum deductible may not exceed the higher of 2,000 or 2% of the face amount of the dwelling coverage. 2. Your lender will accept multi-year and/or continuous policies. 3. The loss payable clause must read: Jackson County Bank and/or its assigns as their interest may appear (A.T.I.M.A.). Mail to Jackson County Bank, PO Box 490, Black River Falls, WI If mail is forwarded by means of overnight mail, use the following address: Jackson County Bank, 8 Main Street, Black River Falls, WI Important te: If you are purchasing a home, the seller s Insurance policy does not automatically transfer to you. The seller s insurance policy is not and typically does not become your policy until you take certain steps and you obtain the approval of the seller s insurance company. It is your responsibility to take all necessary and appropriate steps to obtain the benefits of the existing insurance policy, or to acquire a new policy. This responsibility is yours, and continues even if you are receiving an assignment of the seller escrow funds. 5. If you fail to maintain or provide evidence of the required insurance, your lender may purchase insurance at your expense to protect the Lender s interest in the property; such insurance may or may not protect your interests. We will bill you for the insurance. Insurance obtained by Jackson County Bank may be more expensive that, and may not provide the same coverage as, insurance you could obtain on your own. Any amounts paid by our lender will become an additional obligation secured under your loan. You may cancel insurance purchased by us, but only after providing us with evidence that you have obtained insurance coverage in the amounts and types required in our agreement. THE REQUIREMENTS BELOW RELATE TO LOANS FOR WHICH THE LENDER MAINTAINS AN ESCROW ACCOUNT FOR PAYMENT OF PROPERTY INSURANCE PREMIUMS. 1. You are responsible for ensuring that the Insurance Company sends a bill to your lender at least 30 days in advance of the policy renewal date. If your lender does not receive the bill on or before the renewal date, your lender may obtain the required insurance on your behalf and you will be charged for the insurance premium as explained above. 2. Invoices for payment must indicate the total premium to be paid for the insurance coverage of only the mortgaged property. 3. Your lender will escrow all premiums and fees for flood insurance, if an escrow has already been established for taxes, other insurance premiums, or other fees or charges. BY SIGNING BELOW, I ACKNOWLEDGE THAT I HAVE READ AND UNDERSTOOD THE FOLLOWING, AND I ACKNOWLEDGE RECEIPT OF A COPY OF THIS FORM. FLOOD INSURANCE CERTIFICATION If the property I am purchasing is not in a Special Flood Hazard Area as defined in Part 11 above, flood insurance is not mandatory. I am aware that the possibility of flood damage may still exist and in event of damage from a flood there may be no government or lender assistance. If the property is located in Zone B, I understand that flood insurance is not mandatory but is available and I may purchase flood insurance now or at a later date. I am also aware that the purchase of flood insurance may be required by law at a later date by virtue of the community being included in a remapping by FEMA which results in the mortgaged property then being located in a Special Flood Hazard Area. I will be notified of any such remapping. If I do not obtain flood insurance, the lender will obtain such insurance on my behalf, as explained above. BORROWER S RIGHT TO CHOOSE INSURANCE COMPANY AND AGENT Federal and state law provides that I have the right to select the Insurance Company agent of my own choice to provide the required property insurance. My lender may not require me to purchase insurance through any particular insurance company or insurance agent as a condition to obtaining a loan, providing the company meets the lender s reasonable requirements as to the financial standing of the insurance company and the adequacy of the coverage. I understand my rights to select the insurance company and insurance agent of my choice, and I have made my selection freely and without coercion by my lender. Applicant Co-applicant J:\Real Estate Dept\FORMS\FED VA\HOME LOAN PACKAGE\HAZARD INSURANCE REQUIREMENTS.doc

10 Rev. 5/2016 FACTS Why? What? How? WHAT DOES JACKSON COUNTY BANK DO WITH YOUR PERSONAL INFORMATION? 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. 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 Income Account Balances Assets and and Credit History Employment Information When you are no longer our customer, we continue to share your information as described in this notice. 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 Jackson County Bank chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Jackson County 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 For our marketing purposes - to offer our products and services to you For joint marketing with other financial companies For our affiliates' everyday business purposes - information about your transactions and experiences For our affiliates' everyday business purposes - information about your creditworthiness For nonaffiliates to market to you Yes Yes We don't share We don't share We don't share We don't share Questions? Call or go to Distributed by FIPCO - (800) efipco Privtice4.1010

11 Page 2 Who we are Who is providing this notice? Jackson County Bank What we do How does Jackson County 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. How does Jackson County Bank collect my We collect your personal information, for example, when you personal information? Open an Account Apply for a Loan or Provide Your Mortgage Information or Give Us Your Contact Information Give Us Your Income Information 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 Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. Jackson County Bank does not share with our affiliates naffiliates Joint Marketing Companies not related by common ownership or control. They can be financial and nonfinancial companies. Jackson County Bank does not share with nonaffiliates so they can market to you. A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include Investment Advisors. Other important information EPRIV4 rev, 6/2013

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