Exchange Bank of Missouri

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FACTS	WHAT DOES Exchange Bank of Missouri DO WITH YOUR PERSONAL INFORMATION?
Why?	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 income Account balances and payment history Credit history and credit scores 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 Exchange Bank of Missouri chooses to share; and wether you can limit this sharing.

Reasons we can share your personal information	Does Exchange Bank of Missouri share?	Can you 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	Yes	No
For our marketing purposes— to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We don't share
For our affiliates’ everyday business purposes— information about your transactions and experiences	No	We don't share
For our affiliates’ everyday business purposes— information about your creditworthiness	No	We don't share
For nonaffiliates to market to you	No	We don't share

Questions?

Call 888-797-3388

Who we are
Who is providing this notice?	Exchange Bank of Missouri
What we do
How does Exchange Bank of Missouri protect my personal information?	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 fi les and buildings. We restrict access to personal information to those employees who need to know that information to provide products or services to you.
How does Exchange Bank of Missouri collect my personal information?	We collect your personal information, for example, when you Open an account or apply for a loan Pay your bills or use your debit card make deposits or withdrawals for your account We also collect your personal information from others, such as credit bureaus or 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 creditworthiness 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.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfi nancial companies. Exchange Bank of Missouri does not share with our affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfi nancial companies. Exchange Bank of Missouri does not share with nonaffiliates so they can market to you.
Joint marketing	A formal agreement between nonaffi liated financial companies that together market financial products or services to you. Exchange Bank of Missouri doesn't jointly market.

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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest on Lawyers Trust Accounts ("IOLTAs"). For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.