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
  • Safe deposit box
  • Retail installment contract we hold and service
  • Self-directed Individual Retirement Account
  • Financial, investment, or economic advisory services
  • Mortgage brokerage services
• All persons who use our trust department
• Former customers

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 will tell you what information we share about you with other entities. We will explain what your rights are, and how you can exercise them. If you share an account relationship with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you is aware of our policy and your options.

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."

Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

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 other parties
• Information from a consumer reporting agency
• Information we receive as a result of verifying customer information
• Information we receive through our Customer Identification Program

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 OUR AFFILIATES

We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information:

Transaction and experience information from our account records:

• Information about your transactions and experience with us, such as:
  • Name
  • Address
  • Account balances
  • Account activity
  • Types of accounts
  • Parties to the transaction
  • Payment history
  • Deposit history

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

Other information not taken from transactions and experience:

• Information you give us on an application or other forms, such as:
  • Social Security Number
  • Assets
  • Income
  • Telephone number
  • Date of birth
• Information we receive from a credit reporting agency, such as:
  • Creditworthiness
  • Credit history

You may opt out of the disclosure of the information listed above.

Types Of Affiliates

We may disclose information about you to the following types of affiliates:

• Financial service providers, such as:
  • Bankers
  • Mortgage bankers
  • Securities broker-dealers
  • Insurance companies

Reasons For Disclosure

We may disclose information about you to our affiliates:

• to provide you with information about additional products and services.
• to evaluate our total relationship with you and our family of companies and give you the best price that relationship deserves.
• to give you the benefit of our entire relationship when paying overdrafts and determining credit limits.

YOUR INFORMATION AND OTHER PARTIES

In addition to our policy with respect to affiliates, we may disclose information to other parties. Here are the kinds of information we disclose to these other parties:

• Information you give us on an application or other forms, such as:
  • Name
  • Mailing and Physical Address
  • Social Security Number
  • Age
  • Date of birth
  • Telephone number
• Information about your transactions with us, such as:
  • Account balances
  • Account activity
  • Types of accounts
  • Parties to the transaction
  • Payment history
  • Deposit history

You may opt out of the disclosure of the information listed above.

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. If you have a loan account or other customer relationship in addition to a deposit account relationship, and you do not want us to share this information about you, you should opt out using a method described below.

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

Types of Other Parties

We may disclose information about you to the following types of other parties:

• Financial service providers, such as:
  • Insurance companies
  • Investment companies

We may also disclose information about you to other parties as permitted by law.

Reasons For Disclosing

We may disclose information about you to other parties to provide you with information about additional products and services.

Future Disclosure To Other Parties

We also reserve the right to disclose the following additional information about you to other parties in the future:

• Information you give us on an application or other forms, such as:
  • Assets
  • Income
• Information we receive from a credit reporting agency, such as:
  • Creditworthiness
  • Credit history

You may opt out of the disclosure of the information listed above.

We may disclose this information with the parties listed under the heading Types of Other Parties, as well as the following additional parties:

• Financial service providers, such as:
  • Bankers
  • Securities broker-dealers
  • Mortgage bankers

INFORMATION ABOUT FORMER CUSTOMERS

We have the same policy about disclosing information about former customers as we do about current customers.

AUTHORIZED SHARING - OUTSIDE MARKETING SERVICES

We may disclose the following information to companies that perform marketing services on our behalf:

• 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. 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:

• Service providers that perform marketing services for us, such as:
  • Mail service

Reasons For Disclosing

We may disclose information about you to companies that perform marketing services on our behalf to provide you with information about additional products and services.

Limitations on Disclosure

Here are the limitations we impose on the use of information disclosed to companies that perform marketing services on our behalf:

• We only allow direct mail solicitations.

Future Disclosure To Outside Marketing Services

We also reserve the right to disclose information about you in the future with the following types of marketing services:

• Service providers that perform marketing services for us, such as:
  • Marketing service

YOUR RIGHT TO BLOCK THE DISCLOSURE
OF YOUR INFORMATION

Affiliates. We are permitted to disclose information about our transactions or experiences with you to affiliates. You do not have the right to opt out of the disclosure of this particular type of information. We may also disclose other information to our affiliates (that is, information beyond our transactions and experiences with you), unless you tell us to not disclose this other information.

Other Parties. If you do not want us to share your information with other parties, you can block the release of certain information. This is known as your right to "opt out."

Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us. Remember, though, that your opt out will not apply to information we share that is related to your actual transaction and experience with one of us, which we make available to our affiliates.

If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of that party's information we have collected and for all information collected in conjunction with the product or service for all other joint parties. If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service.

If you wish to opt out of the disclosure of your information, you may do so by filling out the following form(s): Financial Privacy Rights Opt-Out Form

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© 2000 Wolters Kluwer Financial Services - Bankers Systems™
Form PRIV-DISCOPT   9/4/2001   Custom   2.1/5577