NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

228 S. MAIN STREET
WATERLOO, IL 62298
PHONE: (618) 939-6194

We, our, and us, when used in this notice, mean First National Bank of Waterloo.
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
Automobile lease we service

We will tell you the sources of 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 application or other forms
Information about your transactions with us
Information about your transactions with other parties
Information from a consumer reporting agency

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.

Information about Former Customers
We do not disclose information about former customers except as permitted by law.

Authorized Sharing – Outside Marketing Services and Joint Marketing
We may disclose the following information to companies that perform marketing services on our behalf or 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 companies that perform marketing services on our behalf and 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. We may also disclose information about you to other outside marketing services as permitted by law.

Types of Businesses
Here are the types of businesses with whom we may disclose information for outside marketing purposes. Pursuant to joint marketing agreements, we may disclose information to the following types of businesses:

Service providers that perform marketing services for us.
Financial service providers, such as:
Financial marketing firms

Member FDIC