We have always valued our customer’s privacy and have never shared nonpublic personal information except as required by law. This privacy disclosure is being issued to comply with the provisions of the Gramm-Leach Bliley Act governing the privacy of consumer financial information.

PRIVACY DISCLOSURE

OUR POLICY ON CONFIDENTIALITY:

Protecting your privacy is important to First Trust Bank of Illinois and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all First Trust Bank employees for collection, use, retention, and security of nonpublic personal information.

WHAT INFORMATION WE COLLECT:

We may collect “nonpublic personal information” about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us, our affiliates, or others
• Information we receive from a consumer reporting agency commonly known as credit bureaus
• Information that we receive in response to requests we make to third parties about you or to confirm information that you have provided to us, particularly in the process of evaluating applications for loans

“Nonpublic personal information” is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history.

WHAT INFORMATION WE DISCLOSE:

We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus. We do not disclose any nonpublic personal information about you to anyone, except as permitted by law. If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

OUR SECURITY PROCEDURES:

We also take steps to safeguard customer information. 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. Employees who violate these standards will be subject to disciplinary measures. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. If you have questions about your account information, please contact us.