Banterra Privacy Notice

Privacy is everyone's responsibility!

Banterra values your confidence in us and takes our obligation to protect the privacy of your financial information seriously. Our single purpose is to provide you with financial products and services to meet your financial goals. We're still small enough to deliver personalized service to our customers, yet we have all the same products and services that a big bank offers. We believe these are the reasons you do business with Banterra. We also believe you do your financial business with us because we have a strong history of protecting our customer's privacy. We are required by law to give you this privacy notice. It describes our policies and practices that protect your privacy. These practices are followed by Banterra Bank and our affiliates, Banterra Insurance Services, Inc. and Title Professionals, Inc., and therefore, this notice will be applied to all.

What follows is a description of the information we collect and disclose, including the parties who receive nonpublic information from us.

Information We Collect About You

"Nonpublic personal information" is information about you that we obtain in connection with providing a financial product or service. Such information includes for example, account balance, income, assets, payment history, and overdraft history.

We may 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, our affiliates or others including those companies that work closely with us to provide you with diverse financial products and services;
• Information we receive from credit reporting agencies; and
• Information obtained when verifying the information you provide on an application or other form(s) (this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions)

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our bank, responding to subpoenas, and providing information to consumer reporting agencies such as credit bureaus.

We may disclose information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements so that we may provide our customers with competitive products and services.

Banterra Bank and our affiliates may also share your nonpublic personal information with each other as permitted by law.

Online Privacy

We collect and use the information you provide us online to respond to your needs, service your accounts and provide you information about other services. This information is collected in order to aggregate information on what pages visitors access and is collected for statistical purposes and to determine visitor access to secure areas of our Website.

Our Enhanced Login Security provides multifactor authentication at login by using a browser-based secure cookie with an individualized credential (ID) stored on your computer. The cookie-based credential is a unique identifier of you, the end user. It is encrypted and no externally identifiable end user information is stored in it.

Temporary cookies are used in the secure online banking product. The cookies are common across an entire session and you must accept all cookies while accessing your account. The temporary cookies keep the session live until you log out properly or the online banking product times you out. These temporary cookies are used as part of the stringent security measure in the online banking product.

Our Website uses cookies to track your activities. A cookie does not retrieve data from your hard drive, carry computer viruses or capture your email address. Most browsers will allow you to disable cookies or warn you before accepting a cookie. If you decide not to accept cookies, you may not be able to successfully navigate some areas of our Website.

Banterra maintains a partnership with Digital Insight to provide encryption, firewalls, and secure servers to assure appropriate security for online banking. You can learn more about this system by accessing their security site.

Links to Other Websites

Our Website may contain links to other websites. We are not responsible for the privacy practices, data collection, security, or content of other websites. We encourage you to read the privacy statement of all linked websites to become acquainted with their specific privacy policies.

Our Security Standards

We maintain physical, electronic and procedural safeguards to protect the integrity and confidentiality of your information. We restrict access to nonpublic personal information about you to those of our employees whose position with us requires them to have access to your information in order to provide products or services to you. We train our employees to understand and comply with our privacy of information principles.

Disclosure of Information about Former Customers

If you decide to close your account(s) with Banterra, we will follow the privacy policies and practices as described in this notice.

Fair Credit Reporting Act Disclosure

Banterra Bank is permitted by law to share information with our affiliates about our transactions or experiences with you. We do not share nonpublic personal information with our affiliates that you provide in applications or that we obtain about you from nonaffiliated third parties such as credit bureaus.

What Customers Can Do to Help

Banterra is committed to protecting the privacy of its customers. You can help by following these simple guidelines:

• Protect your account numbers, PINs (Personal Identification Numbers) and passwords. Never keep your PIN with your debit or credit card which can provide free access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you and explains the call is on behalf of your bank and asks for your account number, you should not give the information out. Official bank staff will have access to your information and will not need to ask for it.
• Keep your information current. If your address or phone number changes, please let us know as soon as possible.

Let us know if you have questions. For additional information, please contact: Banterra Bank, Privacy Department, P.O. Box 291, Eldorado, IL 62930