Privacy Policy

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS:

"We", "our", and "us", when used in this notice, mean First National Bank of Illinois. This is our privacy notice for our customers. When we use the words "you" and "your", we mean our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):

• Deposit account
• Loan account
• Safe deposit box
• Retail installment contract that we hold and service
• Real estate settlement services, other than one-time appraisal services
• Self-directed Individual Retirement Account where we act as custodian or trustee

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure the information.

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. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

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 person we do not employ or a company that is not an affiliate of ours. This is also known as an "other party".

THE INFORMATION WE COLLECT

• We collect information about you from the following sources:
• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with our affiliates
• Information about your transactions with other parties
• Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
We restrict access to 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 to protect this information.

YOUR INFORMATION AND OTHER PARTIES
We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law.

INFORMATION ABOUT FORMER CUSTOMERS
We do not disclose information about former customers, except as permitted by law.

YOUR INFORMATION AND AFFILIATES
We may disclose to our affiliates information about you we obtain from transactions and from our experience with you that is gained from our account records, such as:

• Name
• Address
• Account balances
• Account activity
• Types of accounts
• Payment history
• Transaction history
• Parties to the transaction
• Deposit history
• Policy coverage
• Premiums

Federal law allows us to disclose the information listed above to our affiliates. You do not have a right to opt out of the disclosure of this information.

Types of Affiliates
We may disclose information about you to the following types of affiliates:

Financial service providers, such as:

• Bankers
• Mortgage bankers
• Securities broker-dealers

Reasons for Disclosure
We may disclose information about you to our affiliates:

• To provide you 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
• To give you the benefit of our entire relationship when paying overdrafts and determining credit limits

For more information, contact us via email at info@fnbiweb.com or call us direct at (708) 474-1300 or (800) 510-8910 today. We look forward to working with you.