YOUR PRIVACY IS IMPORTANT TO US

You provide important information about yourself to a variety of businesses and organizations. The same is true when you do business with our financial institution. You’re asked to provide us with certain personal information that helps us give you better service and complete your transactions more effectively.

We work diligently to safeguard the information you give to us. In fact, we developed the following policies to ensure your confidentiality and maintain your confidence in our institution. These policies detail the strict standards we have in place. For this reason, we ask you to please read the following information carefully.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, means Bank of Quincy.

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

• All of our consumer customers who have a continuing relationship with us, such as:
  • Deposit account
  • Loan account
  • Safedeposit box
  • Retail installment contract we hold and service
  • Self-directed Individual Retirement Account where we act as custodian or trustee.

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

We first define some terms.

THE INFORMATION THAT WE COLLECT

We 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
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

INFORMATION WE DISCLOSE ABOUT YOU

We do NOT disclose any nonpublic personal information about you to anyone, except as permitted by law.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL 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. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION ANDFORMER CUSTOMERS

We do not disclose nonpublic personal information about former customers, except as permitted by law.

Privacy Principles

1. Recognition of a Customer's Expectation of Privacy
   Bank of Quincy will recognize and respect the privacy expectations of their customers and explain principles of financial privacy to their customers in an appropriate fashion upon inquiry. This could be accomplished, for example, by making available privacy principles guidelines.
2. Use, Collection and Retention of Customer Information
   Bank of Quincy will collect, retain and use information about individual customers only where it reasonably believes it would be useful (and allowed by law) to administer that organization's business and to provide products, services and other opportunities to its customers.
3. Maintenance of Accurate Information
   Bank of Quincy will strive to continue to update a customer's financial information making sure it is accurate, current and complete in accordance with reasonable commercial standards. The Bank of Quincy will also respond to correct inaccurate information in a timely manner.
4. Limiting Employee Access to Information
   Bank of Quincy will limit employee access to personally identifiable information to those with a business reason for knowing such information. The bank management will educate their employees so that they will understand the importance of confidentiality and customer privacy. The management will also take appropriate disciplinary measures to enforce employee privacy responsibilities including probation or termination of employment. (See Item 5 for examples)
5. Protection of Information via Established Security Procedures
   Bank of Quincy will maintain appropriate security standards and procedures regarding unauthorized access to customer information (examples: utilize computer access codes to gain access to CIF File information, and limit loan file storage area to loan department personnel in the future).
6. Restrictions on the Disclosure of Account Information
   Bank of Quincy will not reveal information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence, unless 1) the information is provided to help complete a customer initiated transaction; 2) the customer requests it; 3) the disclosure is required by/or allowed by law (e.g., subpoena, investigation of fraudulent activity, etc.); or 4) the customer has been informed about the possibility of disclosure for marketing or similar purposes through a prior communication and is given the opportunity to decline (i.e., "opt out").
7. Maintaining Customer Privacy in Business Relationships with Third Parties
   If personally identifiable customer information is provided to a third party, Bank of Quincy will insist that the third party adhere to similar privacy principles that provide for keeping such information confidential. (For example, law firms and title companies)
8. Disclosure of Privacy Principles to Customer
   Bank of Quincy personnel will provide customers upon inquiry, with an explanation of our privacy principles including offering a copy of our privacy principles to support our position on the importance of privacy.