Protecting your privacy is important to The Clay City and Flora Banking Companies and our employees. We want you to understand what information we collect and how we use it. In order to provide our customer 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 The Clay City and Flora Banking Companies' 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 loan and account forms;
• Information about your transactions with us or others;
• Information we receive in response to requests we make to third parties about you to confirm any application information or other data you provide to us in connection with applying for a loan or other financial product or service;

As used in this notice "non public personal information" means any personally identifiable financial information about you that is not publicly available that we obtain in connection with providing a financial product or service to you. (For example, it may include information such as your social security number, account balance, payment history or assets.)

What Information We Disclose

We do not disclose any nonpublic personal information about our customers, former customers, or any other individuals or entities to anyone, except as permitted or required by law.

As permitted by law, we may also disclose nonpublic information to "nonaffiliated third parties" (i.e. third parties that are not members of our corporate family) in certain circumstances. For example, we may disclose nonpublic personal information about you to such 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 may also disclose all of the information we collect to other financial institutions, insurance providers, and other marketing providers with whom we have a joint marketing agreement.

Our Security Procedures

We also take steps to safeguard customer information. We restrict access to your personal and account information 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.

Please note that the examples used in this notice, such as, but not limited to, the type of information we collect and disclose, are provided for illustrative purposes and are not intended to be exclusive. We reserve the right to change our privacy policies at any time subject to any prior notice required by law.