Checking Accounts

Freedom Checking
Your account has no service charge if you maintain any of the following relationships:

• Automatic Loan Payment
• Money Market Account
• High Yield Money Market Account
• Savings with $1,000 average balance
• Certificate of Deposit with $2,500 minimum balance
• Student
• Senior - 62 or older
• Recurring Direct Deposit
• Average balance of $500

There will be a $25 fee if the account is closed within 180 days of the opening date.

IncomePlus
Tiered Interest Bearing Checking Account.
No service charge with a minimum balance of $500, otherwise a $10
monthly maintenance fee will be charged. Unlimited check writing.
Minimum opening deposit of $1,000.

There will be a $25 fee if the account is closed within 180 days of the opening date.

Premier Checking
No minimum balance requirement
$7.00 monthly maintenance fee
Unlimited check writing
Package of bank services that include travel programs, safe deposit
box discount, hotel & motel discounts, stop payment discount, one
time rate bonus on a certificate of deposit and up to 400 free checks
per year. No service charge on cashiers checks, money order and
travelers checks. New 2002 Prescription Discounts & Living Family Journal.

There will be a $25 fee if the account is closed within 180 days of the opening date.

Senior Premier
All of the Premier benefits for $4.00 per month for anyone 62 or older.

There will be a $25 fee if the account is closed within 180 days of the opening date.

Premier Checking/IncomePlus
All of the above mentioned benefits of the

• Premier Checking, in addition to the interest option of
• IncomePlus for a monthly maintenance fee of $7.00.

There will be a $25 fee if the account is closed within 180 days of the opening date.

Senior Premier/IncomePlus
All of the above benefits of

• Premier Checking, and
• Income Plus

There will be a $25 fee if the account is closed within 180 days of the opening date.

Funtimers
Tiered Interest Bearing Checking Account.
No minimum balance requirement
You must be at least 55 years of age to qualify and maintain a banking relationship of $10,000 or more. If minimum deposit relationship is lower than 10,000, then a $7.00 monthly fee is applied
Exclusive travel club with numerous additional benefits, including:

• Annual Estate Planning Consultation
• Free Annual Stock/Bond Portfolio Valuation Consultation
• Pre-approved line of credit with a Gold Visa Card with no annual fee
• plus many more!!

There will be a $25 fee if the account is closed within 180 days of the opening date.

Money Market
Tiered Interest Bearing Checking Account.
Minimum opening deposit of $2,500.
The Minimum balance requirement is $2,500, otherwise, a monthly maintenance fee of $15 will be charged
You are limited to 6 pre-authorized transfers, automatic transfers or telephone transfers to another account per statement; of those, 3 may be by third party checks, drafts, or point-of-sale purchases. #1 You can have unlimited withdrawals when made in person or at an ATM. #2 A $5.00 transaction fee will be incurred for each item in excess of six (6).
There will be a $25 fee if the account is closed within 180 days of the opening date.

There will be a $25 fee if the account is closed within 180 days of the opening date.

High Yield Money Market
Tiered Interest Bearing Checking Account.
Minimum opening deposit is $2,500.
Minimum balance requirement of $2,500, otherwise a monthly maintenance fee of $15 will be charged.
Premium interest rate paid on balances of $10,000 or more.
You are limited to 6 pre-authorized transfers, automatic transfers or telephone transfers to another account per statement; of those, 3 may be third party checks, drafts, or point-of-sale purchases.
#1 You can have unlimited withdrawals when made in person or at an ATM. #2 A $5.00 transaction fee will be incurred for each item in excess of six (6).
There will be a $25 fee if the account is closed within 180 days of the opening date.
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.

There will be a $25 fee if the account is closed within 180 days of the opening date.

Corporate Direct
Your employer and the Effingham State Bank have joined forces to provide you with the convenience, security, reliability and flexibility of Direct Deposit. As an employee of a company originating Direct Deposit through Effingham State Bank, you will be offered an exclusive list of products. Including:

• Tiered Interest Bearing Checking
• No minimum balance requirement
• Unlimited check writing

There will be a $25 fee if the account is closed within 180 days of the opening date.

Platinum Plus
Interest Bearing Checking Account
Minimum opening balance of $100.00.
This account is tied to an Investment Center Account.
Contact the Effingham State Bank Investment Center for more details.

There will be a $25 fee if the account is closed within 180 days of the opening date.

Savings Accounts

FlexSaver Savings
Interest bearing account.
Opening deposit is $100.
The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the bank rate chart. Interest begins to accrue on the business day you make your deposit. Interest will be compounded quarterly and will be credited to the account quarterly. You must maintain a minimum balance of $25 in the account each day to obtain the disclosed APY.
You may make 6 transfers from your account each month by pre-authorized transfer, automatic transfer, telephone transfer or ATM. A $5.00 service fee will be charged if you exceed 6 transactions per month.
$1 fee if balance falls below $100 per month. Does not apply to: (Student Savings)

Regarding Interest on Checking and Savings Accounts:

• Interest rates and the annual percentage yield are established by the Bank and are subject to change.
• We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
• Interest is credited to the account on the statement date.
• Accrued interest of less than $5.00 will not be paid upon closing of all accounts (except Christmas Club).
• The annual percentage yield assumes interest will remain on deposit. A withdrawal will reduce earnings.
• Tiers and rates available on request at any Effingham State Bank Location.

There will be a $25 fee if the account is closed within 180 days of the opening date.

Student Qualification:
To qualify for Student accounts, you may be required to submit a report card on an annual basis and cannot be older than 24 years of age.

Senior Qualification:
To qualify for Senior accounts, contact us upon reaching the age requirement for the specific account affected.

*Regarding Interest on Checking and Savings Accounts:

• Interest rates and the annual percentage yield are established by the Bank and are subject to change.

• We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the account each day.

• Interest is credited to the account on the statement date.

• Accrued interest of less than $5..00 will not be paid upon closing of all accounts (except Christmas Club)

• The annual percentage yield assumes interest will remain on deposit. A withdrawal will reduce earnings.

• Tiers and rates available on request at any Effingham State Bank location.

Certificates of Deposit:
Your CD interest rate is fixed for the term you select and is calculated daily on collected balances. Interest is credited to your CD or another deposit account at the interval you choose. An interest check can be issued upon request. Intervals vary depending upon the term selected. You may withdraw all or part of your CD before maturity. However, except in case where the depositor dies or is declared legally incompetent, a substantial interest penalty will apply. The penalty is calculated on a simple interest basis at the rate being paid on the account, and on the amount withdrawn. A Rate Chart containing information about interest rates, annual percentage yields, terms, minimum deposit requirements and early withdrawal penalties is available at any Effingham State Bank location.

Individual Retirement Accounts (IRAs)
Tax-deferred retirement accounts for an individual and their spouse featuring interest and safety of principal are available. We offer both Variable and Fixed Rate IRA accounts. A Rate Chart containing information about interest rates, annual percentage yields, terms, minimum deposit requirements and early withdrawal penalties are available at any Effingham State Bank location.

Safe Deposit Boxes
Individual boxes in various sizes are available at select markets. Ann annual fee does apply, based on the size of the box. You may be billed by mail or have the fee automatically deducted from your checking or savings account.

Cash Reserve
If you qualify, our Cash Reserve Account protects your Personal Checking Account from having checks returned because of insufficient funds. If your checks are presented to the Bank and there is not sufficient money to cover them, your Cash Reserve Account will automatically transfer money in $100 increments to cover the checks, up to your authorized limit. You pay a $2 per month fee for this service. All transfers are made following the terms and conditions contained in the Cash Reserve Agreement and Disclosure that you receive when your Cash Reserve Account is approved.

*Please see the Effingham State Bank' supplemental disclosure for important information regarding Effingham State bank's Automatic Overdraft Privilege Disclosure upon opening a checking account.

Account Transfer for Non-Sufficient Funds or Overdrafts
You may establish a savings account transfer to cover overdrafts on your checking account. You will be assessed a $10 charge each day you use this service. All transfer restrictions and fees for savings accounts still apply. See Savings Accounts.

Trust Department
Professional services for your entire financial future can be obtained through visiting our full service trust department. A fee list is available upon request.

Living Trusts	Estate Administration
Trusts Under Will	Life Insurance Trusts
Agency/Escrow Accounts	Pension/Profit-Sharing Plans
Land Trusts	Personal Trust Administration
Investments	Stocks and Bonds

Concerning Your Deposits
Deposits: We will give only provisional credit until collection is final for any items, other than cash, we accept for deposit (including items drawn �on us�). Actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.S. dollars. We are not responsible for transactions by mail or outside depository until we actually record them. We will treat and record all transaction received after our �daily cutoff time� on a business day we are open, or received on a day we are not open for business as if initiated on the next following business day that we are open.

Your Ability To Withdraw Funds
This policy statement applies to �transaction� accounts and savings accounts. Transaction accounts, in general are accounts which permit an unlimited number of payments to third parties and an unlimited number of telephone transactions which are not preauthorized. Checking accounts are the most common transaction accounts. Feel free to ask us whether any of your other accounts might also be under this policy.

Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit for items withdrawn on our bank. A partial availability of funds could occur in some circumstances. In the future, we may adjust availability of funds according to regulation.

If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits could be made available on the second business day after the day we receive your deposit.

Funds from electronic direct deposits will be available on the day we settle the deposit. Once the funds are available, you can withdraw them in cash and/or we will use them to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturday, Sunday and Federal Holidays. If you made a deposit before 2:00 pm on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 2:00 pm or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

Reservation of Right To Hold:
In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the eleventh business day after the day of your deposit. The first $100 of your deposit, however, may be available on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If you need the funds from a deposit right away, you should ask us when the funds would be available.

Longer Delays May Apply:
We may delay your ability to withdraw funds deposited by check into your account for these reasons:

• You deposit checks totaling more then $5,000.00 on any one day.

• You re-deposit a check that has been returned unpaid.

• You have overdrawn your account repeatedly in the last six months.

• We believe a check you deposit will not be paid.

• There is an emergency, such as failure of computer or communications equipment.

Special Rules for New Accounts:
If you are a new customer, the following rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account(s) will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000.00 of a day�s total deposits of cashier�s, certified, traveler�s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the check must be made payable to you. If your deposit of these checks (other than a U.S. Treasury Check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on Effingham State Bank will be available on the 7th business day after the day of your deposit.

Funds from all other check deposits will be available not later than the 11th business day after the day of your deposit.

Deposits At Automated Teller Machines:
General policy � funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be made available until the first business day after the day of your deposit.

Longer delays may apply. In some cases, we will not make the funds you deposit at an ATM we do not own or operate available on the first business day after the day of your deposit. The funds may not be made available until the fifth business day after the day of your deposit. If we don�t make the funds available on the first business day after the day of your deposit, we will mail you a notice of the delay on the day after you make your deposit. We will also tell you when the funds will be available. This rule does not apply at ATMs we own or operate.

All ATMs that we own or operate are identified as our machines.

Dormant Fees

Checking Accounts:	Balance:
1 year with no activity:   $3.00 per month	Under $100.00
Savings Accounts:
2 years with no activity   $3.00 per quarter	Under $200.00

Merged Accounts: Effective February 20, 2002 The following Account Types Are Transferred To Another Account Type And Are No Longer Available For Account Opening. If you had one of the account types listed on the left side of the list below, refer to the table below to determine which account you have been transferred to. If you feel another account would best suite your needs, a Personal Banker is available to assist you.

Account Type:	Transferred To Account Type:
Basic Checking	Freedom Checking
Free Checking	Freedom Checking
Now Account	Income Plus Checking
Cornerstone Checking	Freedom Checking

Accounts No Longer Available for Account Opening:

Executive Platinum Plus:
Tiered Interest Bearing Checking Account*
Minimum opening balance of $100.00
For The Corporate Executive, some restrictions apply.

MISCELLANEOUS FEES AND CHARGES

Check Printing Fees	Prices May Vary
Replacement ATM Cards	$5.00 per card
Foreign ATM Charge	$1.00 per transaction
Caution Fee/Account Watch	$20.00
Stop Payment	$20.00
Telephone Transfers	$2.00
Research	$20.00 per hour, $10.00 minimum
Special Statement �Text Page	$5.00 minimum, $.25 per page after the first page
Special Statement � Image Page	$5.00 minimum, $.45 per page after the first page
NSF or Overdraft	$20.00 no maximum, $5.00 if NSF for 5 or more consecutive days
Savings Account Transfer for NSF	$10.00 per day
Account Reconciliation	$20.00 per hour, $10.00 minimum
Levies	$25.00
Garnishments	$25.00
Photocopies	$1.00 minimum, first page free, then $.25 each page thereafter
Fax Copies	$2.00 first page, $1,00 each additional page
Signature Guarantee	$5.00 per document
Night Deposit Bag (lock)	$25.00
Nigh Deposit Bag (zipper)	$10.00 (no charge for first bag)
Collection Item	$10.00 per check or coupon
Change Orders	$15.00
Check Cashing � non-customers only	$5 non-customer, plus $5 per $1,000
Coin Counting	$10.00 non-customer
Notary Fee	$1.00
License Plate Sticker	$2.00 where applicable
Bank Money Orders	$3.00 customer, $5.00 non-customer
Cashier�s Check	$5.00
Certified Check	$5.00
Traveler�s Checks	$1.00 per $100.00
Incoming Wire Transfers	$20.00 non-customer FREE for Customers
Outgoing Wire Transfers	$30.00 non-customers $15.00 for Customers
International Wire Transfers	$70.00 Bank Customer
Charge Backs	$2.00

ELECTRONIC FUNDS TRANFSER (EFT) CUSTOMER DISCLOSURE

The following disclosure covers your rights and liabilities if you currently utilize any of the electronic funds transfer services available through the Bank, or if you should elect to utilize any of these services in the future. There are three basic types of electronic funds transfer services.

Card Services:
are those services which allow you to access your accounts using a card at an Electronic Funds Transfer Terminal.

Telephone Transfer Services:
are those services that allow you to transfer funds between your accounts by use of a telephone. Effingham State Bank allows such transfers through the use of our EZ Access Telephone System.

Pre-authorized Electronic Funds Transfer:
is any transfer of money performed by means of a computer or other electronic means that you authorize a third party in advance to make through the Bank at regular intervals.

If you currently utilize any of the services identified above, this disclosure replaces all previous Electronic Funds Transfer agreements or disclosures.

Please read this disclosure carefully because it explains your rights and obligations for these transactions. You should also keep this notice for future reference. This disclosure covers only accounts that are established primarily for personal, family or household purposes.

PART I � CARDS

Security of Card and PIN

YOU agree not to reveal you Personal Identification Number (PIN) to any personal and not to write the PIN on the card or on anything kept with the Card. Furthermore, YOU understand and acknowledge that the security of any account accessible through use of the Card depends upon maintaining possession of such Card and the secrecy of the assigned PIN.

Types of Available Transactions

YOU may use your Card to:

• Make withdrawals from specified checking and savings accounts.

• Make deposits to specified checking and savings accounts at specified terminals.

• Make transfers of funds between specified checking and savings accounts.

• Pay for purchases from merchants that have agreed to accept the Card at a point-of-sale.

• Effingham State Bank Visa Check Cards may not be used for illegal transactions. Internet gambling may be illegal in the jurisdiction in which you are located, including locations within the United States. Display of a payment card logo by an online merchant does not mean that Internet gambling transactions are lawful in all jurisdictions in which the cardholder may be located.

Limitations on Amount and Frequency of Transactions
YOU may withdraw or make purchases requiring a PIN up to $500 each 24-hour period. The number of transactions per 24-hour period is limited to 5.

Payment
Each time YOU use your Card, the amount of the transaction will be deducted from you account. We have the right to return any check or other item drawn against your account to ensure there are funds available to pay for Card transactions. We may, but do not have to, allow transactions which exceed your available account balance or available line of credit.

Right to Receive Documentation of Transfers

• Transfers � You can get a receipt of acknowledgement at the time YOU make a transfer to or from your account at the Terminal or Point-Of-Sale.

• Periodic Statement � YOU will receive a monthly account statement, unless there are no transfers in a particular month. In any case, YOU will receive a statement at least quarterly. All of these documents shall constitute admissible evidence.

PART II � ELECTRONIC TRANSFERS

Types of Available Transactions
By proper written authorization, YOU may perform the following types of pre-authorized Electronic Transfers with respect to checking or savings account now or later designated by YOU and US (�Accounts�), through our Funds Transfer System (�System�).

• Transfer amounts (credits), (such as the direct deposit of Social Security of your net pay from your employer) for deposit to specified accounts with US;

• Transfer amounts (credits) (such as your net pay from your employer) directly to US for application to specified loans with US;

• Transfer amounts (debits) (such as bill payments) from you Accounts with US to persons authorized to receive them; and

• Make other Electronic Funds Transfers which are acceptable to US.

Rights to Receive Documentation of Transfers

• Periodic Statements � YOU will be provided a monthly account statement unless there are not transfers in a particular month. In any case, the statement will be provided at least quarterly.

• Pre-authorized Credits � If YOU have arranged to have direct deposits made to your Accounts at least once every sixty (60) days from the same person or company, YOU can call US at the telephone number listed on this brochure to find out whether or not the deposit has been made.

• Right To Stop Payment and Procedure for Doing So � If YOU have told US in advance to make regular payments out of your Account to third parties, YOU can stop any of these payments. Here is how: Call the telephone number or write to the address in this brochure in time for US to receive YOUR request three (3) business days or more before the payment is scheduled to be made. If YOU call, WE shall also require you to put YOUR request in writing and get it to US within fourteen (14) days after YOU call. We will charge YOU our normal stop payment fee for each stop payment order YOU give.

• Notice of Varying Amounts � If these regular payments may vary in amount, the person YOU are going to pay will tell YOU, ten (10) days before each payment, when it will be made and how much it will be. YOU may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside certain limits that YOU set.

• Liability for Failure to Stop Payment of Pre-authorized Transfer � If YOU properly order US to stop one of these payments three (3) business days or more before the transfer is scheduled, and WE do not do so, WE will be liable for your direct losses or damages.

Your Liability for Unauthorized Transfers and Advisability of Prompt Reporting
Tell us AT ONCE if your Card or Pin has been lost or stolen. Contacting US by telephone is the best way of minimizing possible losses. YOU could lose all the money in your Account (plus the maximum authorized Credit Account or other lines of Credit). If YOU tell US within two (2) business days, YOU can lose no more than $50 if someone used your Card or PIN without your permission. If YOU do NOT tell US within two (2) business days after YOU learn of the loss of your Card or PIN, and We can Prove WE could have stopped someone from using your Card or PIN without your permission if YOU had told US, YOU could lose as much as $500. Also, if your statement shows transfer that YOU did not make, tell US at once. If YOU do not tell US within sixty (60) days after the statement was mailed or otherwise made available to YOU, YOU may not get back any money YOU lost after the (60) days if WE can prove WE could have stopped someone from taking the money if YOU had told US in time.

TELEPHONE NUMBER TO AND ADDRESS TO NOTIFY IN THE EVENT OF UNAUTHORIZED TRANSFER:
1-888-226-5892
P.O. Box 767, Effingham, IL 62401

If YOU believe your Card or PIN has been lost or stolen or that someone has transferred or may transfer money from your accounts without your permission, call US at the telephone number, or write US at the address listed in this brochure. Any other notice to US permitted or required by this Agreement should be addressed to US at the address indicated.

Authorization of Transactions: Your Liability for Transactions
Each use of the Card and PIN (if applicable), or delivery of your written authorization, shall be deemed your written signature authorization, and order US to made the transaction or transactions designated by YOU.

YOU agree to be liable to US for all transactions done by, for or on behalf of YOU by use of the System

Time of Transaction
All transactions are subject to additional proof and verifications, which may result in a delay of posting transactions to your account. Additional delay of payments, or the posting of transactions, may occur when the transactions are made on a Saturday, Sunday or Bank Holiday, or on any other day after our business day cutoff time; usually such transactions will be effective on the next banking day.

Any demand item (for example, a check) which is included in a deposit or payment transaction shall not be considered to have been presented for payment until after the demand item has been processed, physically removed from the Terminal (if applicable), and an attempt to collect the items is made.

Business Day
Our business days for purposes of this Agreement (including processing of claims of errors or performing other internal functions) are Monday through Friday. Holidays are not included.

Our Liability for Failure to Make Transfers
If WE do not complete a transfer to or from your Account on time or in the current amount according to our Agreement with YOU, WE will be liable for your losses or damages, as the law requires. We will not be liable, for instance:

• If through no fault of ours, YOU do not have enough money available for use in your account to make the transfer.

• If your Card is damaged.

• If the transfer would go over the credit limit on your overdraft line or your authorized overdraft protection limit.

• If the Terminal where YOU are making the transfer does not have enough cash.

• If the account is frozen because of a court order or other similar reasons.

• If circumstances beyond our control (such as a fire or flood) prevent the transfer despite reasonable precautions WE have taken.

• If necessary authorizations are terminated by operation of law in certain circumstances such as death or legal disability.

• If the Terminal was not working properly and YOU knew of the breakdown when you started the transfer.

• If WE do not receive the necessary transfer data from a third party.

• If the transfer data WE receive from a third party is erroneous or incomplete.

• If equipment necessary to process and post your deposit malfunctions or breaks down.

• There may be other exceptions provided by applicable law.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS � Immediately telephone US , or write US, at the telephone number or address listed in this brochure if YOU think your statement or receipt (acknowledgement) is wrong or if YOU need more information about a transfer listed on the statement or receipt. WE must hear from YOU no later than 60 days after WE mailed or otherwise made available to you the first periodic statement on which the problem or error appeared.

1. Tell US your name and account number (if any).

2. Describe the error or the transfer YOU are unsure about , and explain as clearly as YOU can why YOU believe it is an error or why YOU need more information.

3. Tell US the dollar amount of the suspected error.

If WE ask YOU to put your complaint or question in writing, and WE do not receive it within 10 business days, WE may not re-credit your account.

If WE decide that there was no error, WE will send YOU a written explanation within 3 business days after WE finish our investigation. YOU may ask for copies of the documents that WE used in our investigation; WE may charge YOU a reasonable fee for that service. The resolution of errors concerning advances from credit accounts or other lines of credit shall be governed by the terms of the credit line agreement.

Charges

• WE do not charge for direct deposits to any type of account.

• WE do not currently charge for pre-authorized withdrawals from any type of account.

• WE charge $1.00 for each transaction at Automated Teller Machines (ATMs) not owned by US.

• Except as indicated above, WE do not charge for electronic funds transfers.

PRIVACY STATEMENT

NOTICE OF YOUR
FINANCIAL PRIVACY RIGHTS

We, our, and us means Effingham State Bank and its divisions. 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

• Credit card

• Safe deposit box

• Self-directed Individual Retirement Account where we act as custodian or trustee

• Financial, investment, or economic advisory serves (for a fee)

• Home mortgage brokerage

• All former customers

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.

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 our affiliates

• Information about your transactions with nonaffiliated third parties

• Information from a consumer reporting agency

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 AND FORMER CUSTOMERS

If you decide to close your account(s) or become an inactive customer, we will follow the privacy policies and practices as described in this notice.

NONPUBLIC PERSONAL INFORMATION AND AFFILIATES - FUTURE CHANGES

In the future, we may disclose nonpublic personal information about you to affiliates, even though we are not doing so now. Here are the kinds of nonpublic personal information we may disclose to our affiliates:

Transaction and experience information from our account records:

• Information about your transactions and experience with us, such as

• Name

• Address

• Account balances

• Account activity

• Types of accounts

• Credit card usage

• Payment history

• Deposit history

• Parties to the transaction

Types of Affiliates
We may disclose nonpublic personal information about you in the future to the following types of affiliates:

• Financial service providers, such as

• Midland States Bancorp - holding company

• To provide our customers with information about additional products and services

• To evaluate our total relationship with you and our family of companies and give you the best price that relationship deserves.