Privacy Statement

The Callaway Bank understands how important privacy and confidentiality are to you, our customer. We place great emphasis on ensuring the information you entrust to us remains protected, regardless of how we receive your personal information - by phone, online, or at our facilities.

Your Expectation of Privacy
Use, Collection, and Retention of Information About You
Maintenance of Accurate Information
Employee Access to Information
Restrictions on the Disclosure of Account Information
Maintaining Customer Privacy in Business Relationship with Third Parties
Questions

Your Expectation of Privacy
We recognize that you expect privacy, especially when it comes to your financial affairs. For this reason we have established specific guidelines and procedures for how your information is collected and maintained to protect against misuse or unauthorized release.

Use, Collection, and Retention of Information About You
We will collect, retain, and use your information only where we believe it will assist in administering our business or provide you with the products, services and other opportunities you have come to expect from a company that offers a diverse portfolio of quality products. We will use this information to help us identify you, provide information about products and services, and in an effort to better understand your financial needs. We may also use this information to comply with relevant laws and regulations.

Maintenance of Accurate Information
We strive to maintain customer financial information that is accurate, current and complete in accordance with reasonable commercial standards. We pledge to respond to requests to correct inaccurate information in a timely manner.

Employee Access to Information
Your personal information is limited to only those employees with a business reason for knowing and using such information. We continually educate our employees on the confidential nature of this information and your needs for privacy, as well as incorporating policies and procedures for this purpose. We expect our employees to adhere to our ethical standards, and the obligation continues even if they are no longer employed by The Callaway Bank.

Restrictions on the Disclosure of Account Information
We will not reveal specific information about your accounts or other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies (such as credit bureaus) to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence, unless 1) the information is provided to help complete a customer initiated transaction 2) the customer requests it 3) the disclosure is required by law 4) the customer has been informed about the possibility of such disclosure for marketing or similar purposes through a prior communication and is given the opportunity to decline (i.e. "opt out").

Maintaining Customer Privacy in Business Relationship with Third Parties
At times it may be necessary to release personally identifiable information about you to third parties outside the bank or its affiliated companies such as a credit bureau or our support services. When this occurs we will require those third parties to adhere to similar privacy principles that provide for keeping such information confidential.

Questions
If you have questions or comments about your financial privacy rights, please contact us at (573) 642-3322 or 800-446-2265, or by mail at:

The Callaway Bank
Privacy Officer
5 E 5th Street
Fulton, Missouri 65251