We Respect Your Privacy
We recognize our obligation to keep information about you secure and confidential. It’s important for you to know that. We have never shared nonpublic information except as required by law and we will continue to protect your privacy.

We value your business and hope you will remain with us for many years to come. If you ever have questions or concerns about the integrity of your account information or any other aspect of our business operations please don’t hesitate to telephone or come in to talk to our staff.

This privacy disclosure is being issued to comply with the provisions of the Gramm Leach-Bliley Act governing the privacy of consumer financial information.

MAKING THE SECURITY OF INFORMATION A PRIORITY
Keeping financial information secure is one of our most important responsibilities. We value your trust and handle information about you with care. We limit access to Customer Information to those associates who need to know that information to provide products and services to you or to maintain or service those products or services.

Categories of Information That We May Collect

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

1. Information you provide to us on applications and through other means, such as your assets, income and other debt.



2. Information about your transactions and account experience with us, such as your account balance, payment history, parties to transactions and credit card usage or information about our communication with you, such as a request for a copy of a check and our response, or a pre-approved credit card offer.



3. Information from a consumer report, such as information regarding your creditworthiness or credit history.



4. Information from other outside sources regarding their employment, credit or other relationship with you or verifying representations made by you, such as your employment history, loan or credit card balances or your property insurance coverage.



5. Other general information we obtain about you that is not assembled for the purpose of determining you eligibility for credit, insurance, employment or other product or service you request, such as demographic information.

Categories of Information That We Disclose
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as required by law.

Sharing Information with Companies that Work for us.
We may share all five types of customer information with companies that work for us to provide you products and services that you’ve requested or already have with us. We share the information needed to provide those products and services and to provide a good customer experience. These companies may include financial service providers such as insurance companies and payment processing companies, and non-financial companies such as check printing and data processing your transaction, or mailing account statements. In addition, we may share any of the five types of Customer information with companies that work for us to provide marketing and other services or other financial institutions with whom we have joint marketing agreements. All of these companies act on our behalf, are contractually obligated to keep the information that we provide to them confidential, and use the information only to provide the services we’ve asked them to perform for you and us.

Disclosing Information in Certain Situations
We may disclose any of the five types of customer Information to credit bureaus and similar organizations, and otherwise when permitted by law. For example, this may include a disclosure in connection with a subpoena or similar legal process, a fraud investigation, recording or deeds of trust and mortgages in public records, an audit or examination.

Confidentiality and Security
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, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. If you ever have questions or concerns about the integrity of your account information, please contact us.

Making Sure Information is Accurate
Keeping your account information accurate and up to date is very important. We provide you with access to your account information through various means such as account statements and telephone banking. If you ever find that your account information is incomplete, inaccurate a/or not current, please call or write to us at the telephone number or address listed on your account statement, bank records, or other documentation. We will promptly update or correct any erroneous information.

Keeping Up-To-Date With Our Privacy Policy
Bank of Lincoln County will provide notice of our privacy policy annually, as long as you maintain an ongoing relationship with us. This policy may change from time to tome, but you can always review our current policy by contacting us for a copy at 573-898-5511.

How we protect and use information.

BANK OF LINCOLN COUNTY
301 Broadway
Elsberry, MO 63343
(573) 898-5511

2005

Privacy

We are large enough to offer the services you need and small enough to care.