COMMUNITY TRUST BANK
IRVINGTON, ILLINOIS

Consumer Privacy Protection Notice


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About the USA
Patriot Act

    This notice is applicable to the consumer customers of our Bank. It is provided for informational purposes to all consumer customers as required under a new federal privacy law. This is not a notice of any changes to our existing privacy policies. No action is required on your part, other than to have been notified of our privacy policies.     The confidentiality of your nonpublic personal information will continue to be maintained in accordance with this notice even if in the future you decide to close your accounts with us or you become an inactive customer. As used in this notice, the terms "you" and "customer(s)" mean all of our consumer customers who have a continuing relationship with us such as a deposit account, loan, safe deposit box or IRA account where we serve as custodian.

    We hope that this notice will assist you in understanding how we handle customer information and the measures we take to protect your nonpublic personal information. If you have any questions regarding this notice or have any concerns regarding your privacy, please feel free to call us at (618) 249-6218, or contact any of our officers.     We appreciate your business and will continue to honor the trust you have placed in us. Thank you for choosing us as your financial institution.

1. What Information 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 or others;

· Information we receive from credit reporting agencies;

· 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, the term "nonpublic 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.)

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. (For example, we are permitted to disclose such information about you to nonaffiliated third parties retained to assist us in servicing your loans or deposit accounts, to government entities in response to subpoenas and to credit reporting agencies.)

As permitted by law, we may also disclose all of the information that we collect, as described in section 1 of this notice, to other financial institutions, such as insurance providers, with whom we have joint marketing agreements. In addition, in order to provide you with the best products and services available, we may also disclose such information about you to advertising agencies or other market research companies that we may retain to provide marketing services on our behalf.

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 and procedural safeguards that comply with federal and state banking standards to guard your nonpublic personal information.