Prairie Community Bank

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     Overdraft Coverage – What
     you need to know and why
     we need to hear from you!

     Don't allow your trans-
     actions to be denied; take
     action before August 15,
     2010 to ensure you never
     face the embarrassment of
     a denied transaction at the
     pharmacy, doctor's office,
     or grocery store! Ensure
     you are protected – contact
     us today to receive your
     "Opt-In" form.

FACTS

WHAT DOES PRAIRIE COMMUNITY BANK 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
Account balances
Transaction history
Credit history
Overdraft history
Checking account information

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 Prairie Community Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Prairie Community 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

For our marketing purposes – To offer our products and services to you.

We don't share

For joint marketing with other financial companies.

We don't share

For our affiliates’ everyday business purposes – information about your transactions and experiences.

We don't share

For our affiliates’ everyday business purposes – information about your creditworthiness.

We don't share

For non-affiliates to market to you.

We don't share

Questions? Call 815-568-4100 or 815-923-4100.

What do we do
How does Prairie Community Bank 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 files and buildings.
How does Prairie Community Bank collect my personal information?	We collect your personal information, for example, when you Open an account Apply for a loan Use your credit or debit card Provide your mortgage information Make a wire transfer We also collect your personal information from 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 non-affiliates 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 nonfinancial companies. Prairie Community Bank does not share with our affiliates
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Prairie Community Bank does not share with nonaffiliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Prairie Community Bank doesn’t jointly market.

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