Lindell Bank respects your privacy. Through our Web Site, we strive to provide valuable information to you about how we may serve you, and whether you are a valued existing customer or someone shopping for new bank services, we hope our site answers your questions about products, services, locations, and hours. As a visitor to our Web Site, you need not be concerned about the privacy of your personal information. Our site is not designed to collect personally identifying data on visitors. If, however, you choose to contact us via e-mail, please keep in mind that your e-mail address, and any other information your e-mail header shows about you, such as your name or organization, will be revealed to us in the e-mail. We pledge, however, that when you communicate with us via e-mail, we will use your e-mail information only for the specific purpose of responding to your comments or questions. Your e-mail address will not be sold, nor will it be shared with others outside the bank unless we are compelled to do so by law. Identity Theft For information on Identity Theft, tips on protecting your confidential information and assistance with dealing with Identity Theft issues please visit: http://www.ftc.gov/bcp/edu/microsites/idtheft/ Visa Debit Cards Lindell Bank offers consumers Zero Liability protection for fraudulent transactions on Visa Debit Cards. If fraudulent transactions occur, you have no liability. Call us immediately if your card is ever lost or stolen or if you discover fraudulent transactions. To report a lost or stolen card call 314/645-7700. Rules and restrictions as set forth by Visa International will apply. Visa has also joined the Phish Report Network (http://www.phishreport.net), a database which allows financial institutions and other companies to list their legitimate sites and report fraudulent web sites so that email providers and others can block the emails from consumers' in-boxes. Additionally, to assist consumers with the burden of being an identity theft victim, Visa has launched a special program in partnership with Call for Action (http://www.callforaction.org) to help victims recover in the event of identity theft. Victims can now receive free, confidential assistance from trained identify theft counselors by calling 866-434-6854. To learn more on fraud topics such as phishing and identity theft, visit http://www.visa.com/security. WHAT DOES LINDELL BANK & TRUST COMPANY DO WITH YOUR PERSONAL INFORMATION? (Rev. 01/2011) FACTS Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. WHAT? The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number and payment history • transaction or loss history and employment information • wire transfer instructions and account balances When you are no longer our customer, we continue to share your information as described in this notice. HOW? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Lindell Bank & Trust Company chooses to share; and whether you can limit this sharing.   For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes offer our products and services to you Yes No No We don't share For joint marketing with other financial companies No We don't share For our affiliates' everyday business purposes Information about your transactions and experiences For our affiliates' everyday business purposes Information about your credit worthiness Yes No No We Don't Share For our affiliates to market to you No We don't share For nonaffiliates to market to you No We don't share For more info, call 314-645-7700. WHO WE ARE Who is providing this notice? How does Lindell Bank & Trust Company protect my personal information? How does Lindell Bank & Trust Company collect my personal information? Lindell Bank & Trust Company To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We collect your personal information, for example, when you • open an account or deposit money • apply for financing or give us your contact information • make a wire transfer We also collect your personal information from other companies. Why can't I limit all sharing? Federal law gives you the right to limit only • sharing for affiliates' everyday business purposes - information about your credit worthiness • affiliates from using your information to market to you • sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. Affiliates Nonaffiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. • Our affiliates include financial companies such as First Illinois Bank & First Illinois Bancorp, Inc. Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Lindell Bank & Trust Company does not share with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Lindell Bank & Trust Company doesn't Jointly market For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates, either for them to market to you or for joint marketing-without your authorization. For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing-without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or joint marketing-without your authorization. For Vermont Customers. We will not share personal information with nonaffilates either for them to market to you or for joint marketing-without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.