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You provide important information about yourself when you do business with our financial institution. This information is important because it helps us get a better picture of your needs, provide better service and complete your transactions more effectively. Federal regulations require us to inform you of the types of information we collect, as well as, how and with whom we share the information. Below is an outline of our information sharing policy:

I. Information sharing with non-affiliated third parties:

A. Categories of information we collect

We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or forms; Information about your transactions with us, our affiliates or others; information we receive from a consumer reporting agency.

B. Categories of information we disclose

 We do not disclose any nonpublic personal information about our customers or former customers to anyone except, as permitted or required by law, unless the customer expressly authorizes or requests it.

C. Categories of parties to whom we disclose

 We are permitted by exceptions to the opt-out requirements to disclose information to service and processing providers without seeking customer approval. We do not disclose nonpublic personal information to marketing firms, unless the customer expressly authorizes or requests it.

D. Service provider exception

 We choose carefully the companies that provide services for us (such as service and processing providers or check printers). These companies are contractually required to adhere to our strict standards of information security and confidentiality. They are not allowed to use our customer information for any purpose other than the intended service. We may disclose the information we collect, as described above, to companies that provide service and processing on our behalf, as permitted by law or the customer expressly authorizes or requests it.

II. Information sharing with companies in a corporate family (affiliates)

Under the Fair Credit Reporting Act, we are permitted by law to share within a family of companies information concerning a customer’s account history and experiences with us. We are not part of a corporate family, therefore, we do not have affiliates that we share nonpublic personal information with.

III.Confidentiality, Security and Accuracy

All of our employees are governed by a code of conduct that includes the responsibility to protect the confidentiality of customer’s financial and other personal information. Employees are bound by this Privacy Policy and are educated on implementing our security principles and practices. Only employees actively engaged in their assigned duties are authorized to access or use customer information. We maintain physical, electronic and procedural safeguards that comply with federal regulation to guard your nonpublic personal information.

We do not disclose information about our customers of former customers to anyone, except as outlined in this policy or as permitted or required by law, unless the customer expressly authorizes or requests it. Our strict policies for protecting customer information apply equally to active and inactive customers. In accordance with standard banking industry practice and the Fair Credit Reporting Act, we share customer information with reputable information reporting agencies.

We work to ensure that the information concerning you is accurate in all aspects. If we become aware of inaccuracies in our records, we will take prompt steps to make appropriate corrections.

If you have any questions concerning the new financial privacy regulations or our privacy policies, please fee free to call on us at 225-683-8565.

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