Annual Disclosure Statement
Community Reinvestment Act Notice
FDIC Transaction Account Guarantee Program
Funds Availability Policy
Equal Housing Lender Notice
Procedures for Opening a new Account Unlawful Internet Gambling Enforcement Act Notice
In accordance with federal regulation, Indiana First Savings Bank will provide an Annual Disclosure Statement to our customers and the general public, upon request, containing the bank’s financial information for the last two years.
To request a copy of the Annual Disclosure Statement, please contact:
Mr. Ryan M. Glista, Vice President & Chief Financial Officer
Indiana First Savings Bank
935 Philadelphia Street
Indiana, PA 15701
724-349-2810
Community Reinvestment Act Notice
Under the federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us.
Your involvement is encouraged.
You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the FDIC; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.
At least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the Regional Manager, Division of Supervision and Consumer Protection, Federal Deposit Insurance Corporation, 350 Fifth Avenue, Suite 1200, New York, New York 10118. You may send written comments about our performance in helping to meet community credit needs to Mary Lou Reid, CRA Officer & Vice President, Retail Lending, 935 Philadelphia Street, Indiana, PA 15701 and the FDIC Regional Manager. Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.
You may ask to look at any comments received by the FDIC Regional Manager. You may also request from the FDIC Regional Manager an announcement of our applications covered by the CRA filed with the FDIC.
FDIC Transaction Account Guarantee Program
All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.
The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
Our general policy is to allow you to withdraw funds deposited in your account on the next business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the next business day. The funds will then generally be available by the fifth business day after the day of deposit.
Equal Housing Lender 
We Do Business in Accordance With Federal Fair Lending Laws
UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:
•Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or
•Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property.
IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:
Assistant Secretary for Fair Housing and Equal Opportunity Department of Housing and Urban Development
Washington, DC 20410
For processing under the Federal Fair Housing Act and to:
FDIC Consumer Response Center
2345 Grand Boulevard, Suite 100
Kansas City, Missouri 64108
For processing under FDIC regulations
UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:
•On the basis of race, color, national origin, religion, sex, marital status, or age,
•Because income is from public assistance, or
•Because a right was exercised under the Consumer Credit Protection Act.
IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:
FDIC Consumer Response Center
2345 Grand Boulevard, Suite 100
Kansas City, Missouri 64108
Important Information about Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Unlawful Internet Gambling Enforcement Act Notice
Certain transactions are prohibited from being processed through your account or other relationships with Indiana First Bank under the Unlawful Internet Gambling Enforcement Act of 2006 (“Act”) and related regulations that have been issued by the Board of Governors of the Federal Reserve System and the United States Department Of The Treasury (“Regulation GG”). Indiana First Bank is also required by the Act and Regulation GG to inform its commercial customers of this restriction.
Restricted transactions generally include, but are not limited to, those transactions in which credit (including credit extended through the use of a credit card), electronic funds transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with participation by others in unlawful Internet gambling.
Internet gambling will generally be deemed to be unlawful unless it is expressly authorized by license issued by an appropriate State or Tribal authority.
