CERTAIN PERSONAL INFORMATION ABOUT VISITORS TO THIS WEB SITE IS BEING COLLECTED BY PEOPLE'S COMMUNITY STATE BANK, LOCATED IN DONIPHAN, MISSOURI. PERSONAL INFORMATION IS COLLECTED FROM YOU AT THE TIME INFORMATION IS PROVIDED BY YOU VIA E-MAIL (INCLUDING THE NAME, E-MAIL ADDRESS, AND ANY OTHER INFORMATION ON THE E-MAIL HEADER). THE INSTITUTION DOES NOT USE "COOKIES" TO COLLECT AND TRACK INFORMATION ABOUT YOU.

INFORMATION IS COLLECTED FOR THE PURPOSE OF PROCESSING YOUR REQUEST FOR INFORMATION. THE INFORMATION WILL BE USED FOR THE PURPOSES OF MEETING YOUR BANKING NEEDS AND REQUESTS, AND PROVIDING SERVICES TO YOU IN THE FUTURE. THE INSTITUTION DOES NOT SELL OR SHARE CUSTOMER INFORMATION WITH ANY NONAFFILIATED THIRD PARTIES, EXCEPT CERTAIN THIRD PARTY SERVICE PROVIDERS. THESE ENTITIES WILL BE REQUIRED TO EXECUTE A CONFIDENTIALITY AGREEMENT WITH THE INSTITUTION WHICH REQUIRES ADHERENCE TO THE INSTITUTION'S PRIVACY POLICY AND PRACTICES. THE INSTITUTION SHARES INFORMATION WITH COMPANIES WHICH ARE AFFILIATED WITH THIS INSTITUTION BY COMMON CONTROL. WE SHARE INFORMATION AS PERMITTED BY LAW IN ORDER TO PROVIDE YOU WITH BETTER SERVICES AND MORE OPTIONS.

IF YOU DO NOT WANT YOUR PERSONAL INFORMATION COLLECTED, YOU MAY REFRAIN FROM SUPPLYING THE INFORMATION THROUGH E-MAIL.

WE ARE TAKING THE FOLLOWING STEPS TO ENSURE THE PRIVACY AND ACCURACY OF THE INFORMATION COLLECTED FROM OR ABOUT YOU: ENSURING YOUR FINANCIAL PRIVACY IS OF VITAL IMPORTANCE TO THE INSTITUTION AND ITS EMPLOYEES. THE INSTITUTION LIMITS EMPLOYEE ACCESS TO CONFIDENTIAL CUSTOMER FINANCIAL INFORMATION TO THOSE WITH A BUSINESS REASON FOR KNOWING SUCH INFORMATION. INSTITUTION EMPLOYEES ARE TRAINED TO UNDERSTAND THE IMPORTANCE OF CUSTOMER FINANCIAL PRIVACY AND TO PROPERLY HANDLE CONFIDENTIAL INFORMATION. THE INSTITUTION ENDEAVORS TO MAINTAIN THE MOST ACCURATE AND UP-TO-DATE CUSTOMER RECORDS POSSIBLE. IF YOU FIND THAT YOUR ACCOUNT INFORMATION IS NOT CORRECT, CURRENT, OR COMPLETE, PLEASE CALL OR WRITE TO US AT THE TELEPHONE NUMBER OR ADDRESS ON YOUR ACCOUNT STATEMENT AND APPROPRIATE CORRECTIONS WILL BE MADE AS SOON AS POSSIBLE.

YOU MAY REVIEW THE INFORMATION WE COLLECT ABOUT YOU AND CORRECT ANY ERRORS IN THAT INFORMATION BY REVIEWING ACCOUNT STATEMENTS AND ANY OTHER CORRESPONDENCE FROM US AND NOTIFYING US OF ANY INACCURATE OR OUTDATED INFORMATION AT THE ADDRESS OR PHONE NUMBER ON YOUR STATEMENTS.

IF YOU HAVE QUESTIONS ABOUT YOUR PERSONAL INFORMATION OR WOULD LIKE TO INFORM US ABOUT THE POTENTIAL MISUSE OF YOUR PERSONAL INFORMATION, YOU MAY DO SO BY SENDING A LETTER TO THE COMPLIANCE OFFICER, PEOPLE'S COMMUNITY STATE BANK, P.O. BOX 249, DONIPHAN, MISSOURI 63935, OR SENDING A TELEFACSIMILE TO THE COMPLIANCE OFFICER AT (573) 996-2116, OR CALLING US AT (573) 996-2114, OR BY SENDING US AN E-MAIL AT WWW.PEOPLESCOMMUNITYSTATEBANK.COM. SINCE SOME E-MAIL TRANSMISSIONS MAY BE SUBJECT TO INTERCEPTION, IF YOUR CORRESPONDENCE CONTAINS SENSITIVE INFORMATION (E.G., YOUR ACCOUNT NUMBER OR SOCIAL SECURITY NUMBER) YOU MAY WANT TO SEND A LETTER OR TELEFACSIMILE TO US.

IF YOU FEEL WE HAVE NOT MET OUR OBLIGATIONS IN THE PROTECTION OR USE OF YOUR PERSONAL INFORMATION, YOU MAY SUBMIT A COMPLAINT TO THE INSTITUTION. ANY COMPLAINT WILL BE HANDLED IN COMPLIANCE WITH THE INSTITUTION'S CONSUMER COMPLAINTS POLICY. BREACHES OF CUSTOMER PRIVACY ARE CONSIDERED SERIOUS EMPLOYEE MISCONDUCT AND MAY RESULT IN TERMINATION OF THE EMPLOYEE.

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FACTS	WHAT DOES PEOPLE'S COMMUNITY STATE 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 Payment history Credit history Mortgage rates and payments 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 customer's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer's personal information; the reasons People's Community Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information.		Does People's Community State Bank share?	Can you limit this sharing?
For our everday 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.		No	We don't share
For joint marketing with other financial companies		No	We don't share
For our affiliates' everyday business purposes - information about your transactions and experiences.		No	We don't share
For our affiliates' everyday business purposes - information about your creditworthiness.		No	We don't share
For nonaffiliates to market to you		No	We don't share
Questions?	Call 573-996-2114 or go to www.peoplescommunitystatebank.com

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What We Do
How does People's Community State 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. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access if appropriate.
How does People's Community State Bank collect my personal information?	We collect your personal information, for example, when you Open an account Deposit money Apply for a loan Use your credit or debit card Make a wire transfer We also collect your personal information from others, such as credit bureaus, affiliates, or 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 nonaffiliates 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 non-financial companies. People's Community State Bank has no affiliates.
NonAffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. People's Community State 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. People's Community State Bank doesn't jointly market.