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. CONDUCTING YOUR TRANSACTIONS ONLINE Federal financial regulators are reporting that Internet threats have changed significantly over the past several years. Sophisticated hacking techniques and growing organized cyber-criminal groups are increasingly targeting financial institutions, compromising security controls, and engaging in online account takeovers and fraudulent electronic funds transfers. In order to help ensure the security of your online transactions, we want you to know that: We will never email, call or otherwise ask you for your user name, password or other electronic banking credentials You can help protect yourself by implementing alternative risk control processes like: Making sure you choose an adequate user name and password that, at a minimum, mixes in small case letters, upper case letters and numbers Periodically changing your password (e.g., at least every 90 days) Having current anti-malware and anti-virus software Safeguarding your user name and password information Making sure you have a firewall in place when conducting your financial transactions Logging off the system when you're done conducting business (don't just close the page or "X" out of the system) Monitoring your account activity on a regular basis In addition, we may require owners of commercial accounts to perform their own risk assessments and controls evaluations. For example: Make a list of the risks related to online transactions that your business faces including Passwords being written down and left out in the open The use of old or inadequate passwords The possibility of internal fraud or theft Delays in terminating the rights of former employees The lack of dual control or other checks and balances over individual access to online transaction capabilities An evaluation of controls your business uses may include Using password protected software to house passwords in Conducting employee background checks Initiating a policy and process to terminate access for former employees Segregating duties among two or more people so no one person has too much access or control Conducting internal or third party audits of controls Using firewalls to protect from outside intrusion or hackers Federal regulations provide consumers with some protections for electronic fund transfers. These regulations generally apply to accounts with Internet access. For example, these federal laws establish limits on a consumer's liability for unauthorized electronic fund transfers. They also provide specific steps you need to take to help resolve an error with your account. Note, however, that in order to take advantage of these protections, you must act in a timely manner. Make sure you notify us immediately if you believe your access information has been stolen or compromised. Also, review your account activity and periodic statement and promptly report any errors or unauthorized transactions. See the Electronic Fund Transfer disclosures that were provided at account opening for more information on these types of protections. These disclosures are also available online (or ask us and we will gladly provide you with a copy). If you become aware of suspicious account activity, you should immediately contact the authorities and contact us at the number listed below. LINDELL BANK BOX 211 ST. LOUIS, MO 63166-0211 314-645-7700