We, our, and us, when used in this notice, mean Mound City Bank.

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

• Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
  • Deposit account
  • Loan account
  • Credit card account
  • Safe deposit box
  • Self-directed Individual Retirement Account

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with our affiliates
• Information about your transactions with other parties
• Information from a consumer reporting agency
• Information we receive through our Customer Identification Program
• Information we receive as a result of verifying customer information

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to 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 to protect this information.

YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

INFORMATION ABOUT FORMER CUSTOMERS

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

AUTHORIZED SHARING - JOINT MARKETING

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

• Information you give us on an application or other forms, such as:
  • Name
  • Address

We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.

State Limitations

AL, AK, CA, ID, and VT - We will not share this information about customers who reside in Alabama, Alaska, California, Idaho, or Vermont.

MA, MS and NJ - We will not share any information derived from deposit relationships with us about customers who reside in Massachusetts, Mississippi or New Jersey.

IL - We will not share this information about our customers who reside in Illinois with other parties.

Types of Businesses

We may disclose information pursuant to joint marketing agreements to the following types of businesses:

• Financial service providers, such as:
  • Life insurers
  • Broker-dealer

Reasons For Disclosing

We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services.

PROTECTING WEB SITE INFORMATION

Whether you are a current customer or just visiting our web site, we safeguard the information you provide to us at www.moundcitybank.com. How we use and protect this information is described below.

Protecting Online Applications

When you apply online for accounts or services, or enroll in online banking, you provide personal information that is necessary for us to process your application. Information is held in a secure environment, visible only to bank personnel. The bank personnel view the information through a 128 bit SSL browser. We, along with the outside companies with which we work, if applicable, may keep the information you provide to us, along with information we collect from outside sources, so that we can offer you accounts and services related to your financial needs.

How We Handle E-Mail

We preserve the content of your e-mail, your e-mail address and our response so that we can more efficiently handle any follow-up questions you may have. We also do this to meet legal and regulatory requirements. If we think that a particular Mound City Bank account or service might apply to your situation, we may occasionally contact you at your e-mail address to inform you of potential benefits and availability.

Unless it is stated on the e-mail form, e-mails you send to us and e-mails you receive from us are not secure. For this reason, you should never include sensitive or confidential information in your e-mail communications with us. For these communications, you may contact us by phone, U.S. postal mail or by visiting our nearest branch office.

What We Do With Online Surveys

The information you provide on surveys and promotions on our Web site will be used for internal marketing purposes, including developing Web site information and services that you may find helpful. In addition, we may inform you of new accounts and services from Mound City Bank based on the information you provide to us.

No Data "Capture" With Planning Tools

There are many planning tools throughout the site to help you make the financial decisions that are right for you in the privacy of your home. We encourage you to try all of your "what if" scenarios as often as you like. When you use various planning tools on our Web site, the calculations run on your PC or our server. We do not capture the personal information you provide on these planning tools. Examples include the mortgage calculator, loan calculator, and the savings calculator.

Protecting Your Online Banking

When you bank online with us, we, along with the outside companies we work with to bring these services to you, have access to your information. Information is retained on our system or the system of the appropriate outside company, depending on what is required in order to serve you. We use state-of-the-art Internet technology, supported by the outside companies we work with, to make online banking secure and to protect your personal information. We also require an I.D. and password to access your accounts. You can help maintain the security of your banking information by not sharing your I.D. or password with anyone, by changing your password regularly, and by remembering to sign off.

Protecting Your Privacy Online

Whenever we ask for personal information on our Web site, we use Secure Socket Layer (SSL technology) for transferring data. This technology encrypts or scrambles your account information so it's virtually impossible for anyone other than Mound City Bank to read it.

When Information is Collected and Not Collected

Some areas of our Web site require information, such as your e-mail address or your account number, to enable you to perform certain tasks (for example, review your accounts or correspond with us). In these cases, we collect your information if necessary to interact with you. If you do not interact with us, you browse our Web site anonymously and any personal information, such as your e-mail address, is not collected.

We gather and analyze data regarding usage of our Web site, including domain name, pages visited, length of user session, etc., to evaluate the usefulness of our sites.

Protecting Our Children

We do not knowingly solicit data from children, and we do not knowingly market to children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.

Trust Us

Trust us to keep you informed of how we protect your privacy and limit the sharing of information you provide to us, whether it's at an office, over the phone or through the Internet. Please note that since we cannot control information on other Internet sites, we are not responsible for the content of sites linked from www.moundcitybank.com.