First Commercial Bank
Privacy Statement

At First Commercial Bank we understand the importance of our customers' personal privacy. Because our interest is in safeguarding your privacy, we have adopted the following principles and practices:

1. Acknowledgement of Your Right to Personal Privacy. We realize that you expect security in your personal and financial affairs. We understand the need to safeguard sensitive information about you that you have entrusted to us. We are committed to maintaining standards and procedures designed to safeguard this information.

2. Collection of Personal Information. We collect and retain information from and about you in order to understand your financial needs, complete your transactions, help to establish and manage your accounts and to comply with legal and regulatory requirements. The information we collect about you comes from:

• Applications or other forms received from you;
• Transactions with us, our affiliates or others; and
• Consumer-reporting agencies.

We use this information to provide you with financial products, manage and protect your accounts and records, comply with certain laws and regulations, and to improve our service to you. We may disclose all of the 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. If you decide to close your account(s), or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.

3. Maintain Accurate Information. At First Commercial Bank, we strive to uphold the most accurate and up-to-date customer records possible. Procedures have been put into place to ensure your financial information is accurate, current and complete. If you find any incorrect information regarding your account, please write or call us at the address or telephone number listed below and we will make the appropriate corrections as soon as possible.

4. Limiting Employee Access to Information. We have procedures to limit employee access to nonpublic personal financial information. Information about you is provided only to those employees who need it in order to offer you products or services. Our employees are trained to understand the importance of customer financial privacy and to properly handle confidential information. Physical, electronic and procedural privacy safeguards in all banking areas are maintained to comply with federal and state regulations.

5. Security Procedures to Protect Information. Security systems, internal controls and banking procedures are set to ensure that there is no unauthorized access to private information about you. Nonpublic personal financial information is given out only to those as required by law or regulation.

6. Restrictions on Disclosing Information. Financial and personal information about you may be disclosed under the following conditions:

• Required by law,
• Specifically allowed by law,
• Requested or authorized by the customer, directly or indirectly.

7. Maintaining Customer Privacy When Using Third Party Agents and Suppliers. Before outside vendors or service companies are contracted to provide support and perform services for the bank (e.g., check printing, preparing and mailing monthly account statements, property appraisals offered as collateral, market research for marketing our own products and services), we obtain an agreement from them that ensures protection of any confidential information about you. (12/02)

If you have any questions regarding First Commercial Bank's Privacy Policy, please contact us at 952-903-0777.

We reserve the right to change this policy at any time by posting
a new privacy policy
Last Update: September 2004