|WHAT DOES SOUTHERN ILLINOIS BANCORP, INC. DO WITH YOUR PERSONAL INFORMATION?|
|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.|
|The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are no longer our customer, we continue to share your information as described in this notice.
|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 Southern Illinois Bancorp, Inc. chooses to share; and whether you can limit this sharing.|
|Reasons we can share your personal information||Does Southern Illinois Bancorp, Inc. 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||No|
|For our marketing purposes – to offer our products and services to you||Yes||Yes|
|For joint marketing with other financial companies||No||We don’t share|
|For our affiliates’ everyday business purposes – information about your transactions and experiences||Yes||Yes|
|For our affiliates’ everyday business purposes – information about your creditworthiness||No||We don’t share|
|For our affiliates to market to you||Yes||Yes|
|For non-affiliates to market to you||No||We don’t share|
|To limit our sharing|
|Who we are|
|Who is providing this notice?||The following is a list as of July 20, 2018 of the Southern Illinois Bancorp, Inc., family of companies to which this privacy notice applies:The First National Bank of Carmi (“First Bank”)First Insurance Agency, Inc.First Financial ServicesSouthern Illinois Title Services, Inc.|
|What we do|
|How does Southern Illinois Bancorp, Inc. 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 Southern Illinois Bancorp, Inc. collect my personal information?||We collect your personal information, for example, when you
We also collect your personal information from others, such as creditbureaus, affiliates, or other companies.
|Why can’t I limit all sharing?||Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing.
|What happens when I limit sharing for an account I hold jointly with someone else?||Your choices will apply to everyone on your account.|
|Affiliates||Companies related by common ownership or control. They can be financial and nonfinancial companies.
|Non-affiliates||Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|Joint marketing||A formal agreement between non-affiliated financial companies that together market financial products or services to you.
|Direct marketing||Direct marketing includes e-mail, postal mail, and telephone marketing. Even if you limit direct marketing, we may still contact you to service your account or as otherwise allowed by law.|
|Information||For insurance customers, the term “information” in this part means customer information obtained in an insurance transaction. We may give your information to state insurance officials, law enforcement, and group policy holders about claims experience or auditors as the law allows or requires. We may give your information to insurance support companies that may keep it or give it to others. We may share medical information so we can learn if you qualify for coverage, process claims or prevent fraud or if you say we can.|