This notice is applicable to the consumer customers of our Bank.  It is provided for informational purposes to all consumer customers as required under a new federal privacy law.  This is not a notice of any changes to our existing privacy policies.  No action is required on your part, other than to have been notified of our privacy policies.  The confidentiality of your nonpublic personal information will continue to be maintained in accordance with this notice even if in the future you decide to close your accounts with us or you become an inactive customer.  As used in this notice, the terms "you" and "customer(s)" mean all of our consumer customers who have a continuing relationship with us such as a deposit account, loan, safe deposit box or IRA account where we serve as custodian.

We hope that this notice will assist you in understanding how we handle customer information and the measures we take to protect your nonpublic personal information.  If you have any questions regarding this notice or have any concerns regarding your privacy, please feel free to call us at 618-842-2107.

We appreciate your business and will continue to honor the trust you have placed in us.  Thank you for choosing Fairfield National Bank as your financial institution.

1.        What Information We Collect

            We collect nonpublic personal information about you from the following sources:

•      Information we receive from you on applications or other forms, including any forms 
      or other data received through the internet or other electronic means;
•      Information about your transactions with us or others, including any transactions   
      conducted through the internet or other  electronic means;
•     Information we receive from credit reporting agencies;
•     Information we receive in response to requests we make to third parties about you      to  confirm any application information or other data that you provide to us in connection with applying for a loan or other financial product and/or service.

As used in this notice, the term "nonpublic personal information" means any personally identifiable financial information about you that is not publicly available that we obtain in connection with providing a financial product or service to you.  (For example, it may include information such as your social security number, account balance, payment history or assets.)

2.       What Information We Disclose to Third Parties

          We do not disclose any nonpublic personal information about our customers, former customers or any other individuals or entities to anyone, except as permitted or required by law.  (For example, we are permitted to disclose nonpublic personal information about you to nonaffiliated third parties retained to assist us in servicing your loans or deposit accounts, to government entities in response to subpoenas and to credit reporting agencies.)

3.      What Information We Disclose to Our Marketing Service providers or Joint 
         Marketing Partners

As permitted by law, we may disclose all of the information that we collect. as described in section 1 of this notice, to certain other nonaffiliated third parties, such as insurance providers with whom we have joint marketing agreements.  In addition, in order to provide you with the best products and services available, we may also disclose such information about you to advertising agencies or other market research companies that we may retain to provide marketing services on our behalf.

4.       Our Security Procedures for Protecting Customer Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.  We maintain physical and procedural safeguards that comply with federal and state banking standards to guard your nonpublic personal information.

This notice is effective as of the date printed below.  Please note that the examples used in this notice, such as, but not limited to, the type of information we collect and disclose are provided for illustrative purposes and are not intended to be exclusive.  We reserve the right to change our privacy policies at any time subject to any prior notice required under applicable law.

                                                                                                                 05/19/2001

Amendments and changes
Fairfield National Bank reserves the right to amend or change this policy at anytime and without notice. For the most current version of this policy, contact our customer service department at (618) 842-2107 or info@fairfieldnb.com.

Contact
Internet Banking Coordinator
Fairfield National Bank
220 East Main Street
Fairfield, IL 62837
(618) 842-2107