Privacy

Privacy Notice

First National Bank in Pinckneyville is committed to insuring the security and confidentiality of your records and information. In order to keep you informed of our privacy policies, we have adopted this Privacy Protection Notice.

We appreciate your business and will continue to honor the trust you have placed in us. Thank you for choosing First National Bank in Pinckneyville as your financial institution.

For a better understanding of our consumer privacy policy the following definitions are provided:

"You" and "your" refers to all of our consumer customers who have a continuing relationship with us such as a deposit account, loan, safe deposit box, or custodial IRA account.

Nonpublic personal information is information about you that you give to us in order for us to provide a financial product or service to you. For example, it may include information such as your social security number, account balance, payment history, or assets. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

Affiliate refers to a company we own or control. Our affiliate is First National Insurance Services, Inc.

Nonaffiliated third party is a company that is not an affiliate of ours. We do not own or control the company.

What Information We Collect

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

• Information you give us on applications or other forms;
• Information about your transactions with us or others;
• Information we receive from credit reporting agencies;
• Information we receive in response to requests we make to third parties about you to confirm any application information or other data that you provide to us in connection with applying for a loan or other financial product or service.

What Information We Disclose to Third Parties

We do not disclose any nonpublic personal information about you to anyone except as permitted or required by law. For example, we are permitted by law to disclose nonpublic personal information about you to nonaffiliated third parties in order to be able to service your loans or deposit accounts, to government entities in response to subpoenas and to credit reporting agencies.

We do not disclose nonpublic personal information to our affiliates.

What Information We Disclose to Our Marketing Service Providers or Joint Marketing Partners

As permitted by law, we may provide the information we collect to nonaffiliated third parties, such as insurance providers with whom we have joint marketing agreements, advertising agencies or other market research companies that we may contract with to provide marketing services on our behalf. However, we will not sell or disclose information about you to any of these entities for their independent use.

Fair Credit Reporting Act Disclosure

We are permitted by the Fair Credit Reporting Act to share information about our experiences or transactions with you or your accounts with our affiliates. We do not share nonpublic personal information (such as your applications or credit bureau reports) with our affiliates.

Nonpublic Personal Information and Former Customers

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

Our Security Procedures for Protecting Customer Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical and procedural safeguards that comply with federal and state banking standards to guard your nonpublic personal information.

Contact Us

If you have questions regarding this notice, or have concerns regarding your privacy, please call 618-357-9393 or write us at:

This notice is effective as of the date printed below. Please note that the examples used in this notice, such as, but not limited to, the type of information we collect and disclose are provided for illustrative purposes and are not intended to be exclusive. We reserve the right to change our privacy policies at any time subject to any prior notice required under applicable law.

Annual Notice 05/01/2008