Privacy Statement

Our Commitment to You

At the First National Bank in Tremont, the foundation of each customer relationship is trust. You have chosen to do business with our Bank and we value that relationship. As financial services professionals entrusted with sensitive information about you, our employees are committed to treating all customer information responsibly. We believe that your privacy should not be compromised.

We understand that the confidentiality and protection of customer information is one of our fundamental responsibilities. Therefore, we will continue to maintain the following standards to ensure that your information is kept private and secure at all times.

We Collect Only Information Needed to Serve You

In order to conduct business with you, it is necessary to collect certain nonpublic personal information. This information is collected from a variety of sources, including the following:

· Information we receive directly from you on applications or other forms, as well as through direct correspondence with you (such as Social Security Number and income sources);

· Information we receive related to your transactions with us or others (such as account balances and payment history);

· Information we receive through third parties (such as consumer reporting agencies).

The First National Bank in Tremont collects and uses nonpublic personal information about you only when necessary to conduct our business functions in order to provide products and quality services you expect.

We Restrict the Sharing of Your Information

We do not disclose nonpublic personal information about our customers or former customers to anyone, except as permitted by law or noted below in our privacy statement.

We may share nonpublic personal information of our customers and former customers as permitted under law to other parties in certain circumstances. For example, we may disclose information to third party companies that assist us in servicing your loan or account, to government entities in response to subpoenas or regulatory requirements, and to credit bureaus.

Additionally, from time to time we may share nonpublic personal information of our customers and former customers with companies that perform marketing services of our bank products on our behalf. Under these circumstances we have joint marketing agreements with the companies that contractually restrict them to adhere to our standards of security and confidentiality. They are not allowed to use our customer's information for any purpose other than the intended service in the agreement.

We strive to Maintain Accurate Information

We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

We Provide Security Protection and Limit Access to Your Information

The First National Bank in Tremont is committed to the security of your financial and personal information. Our operational and data processing systems are maintained in a secure environment that protects your account information from being accessed by third parties. we safeguard information according to established internal security standards and procedures.

First National Bank in Tremont employees are authorized to access and use customer information only when performing assigned duties. Each Bank employee is required to follow the "Code of Ethics" in our employee handbook which states that all customer information is confidential and should be used solely to provide customers with quality products and service. Our employees are trained to understand and comply with these information privacy principles. Employees who violate these privacy principles will be subject to disciplinary measures.

How to Contact Us

At the First National Bank in Tremont, we value our customer relationships. We want you to understand how we use the information you provide as well as our commitment to ensuring the privacy of that personal information. If you have any questions about how we protect your confidential information, please call us at (309)925-2121 or (800)925-5335, write or visit us at The First National Bank in Tremont, 134 S. Sampson Street, PO Box 23, Tremont, IL 61568-0023, or e-mail us at tremontbank.com.