MID-MISSOURI BANK PRIVACY POLICY

MID-MISSOURI BANK is committed to customer satisfaction. While information is the foundation of our ability to provide superior customer service, keeping your personal information secure is a top priority. As a result, we collect and retain information about our customers only when it is necessary for normal business operations. Under no circumstances does this Bank or its affiliates share or sell customer information to third party marketing firms or any other nonaffiliated third party as a means of producing income. We may give our affiliates customer information periodically, so they can mail you information on products, such as investments and insurance. If we do provide customer information to an affiliate, it will only entail data essential to their business need, and the affiliate will be required to adhere to the confidentiality standards of MID-MISSOURI BANK.

Our ongoing commitment to protect the privacy of our customers is addressed in this Privacy Policy. We want you, our customer, to understand why and how we gather customer information, how that information is secured, and available recourse if you believe that information is incorrect.

DEFINITIONS OF TERMINOLOGY
Account - Means any relationship, such as a deposit or loan relationship, you have established with this bank.

Affiliates - Refers to all companies that share common ownership and/or control with this Bank's owning holding company.

Bank - Refers to MID-MISSOURI BANK.

Customer information - Means all information (past and present) we receive about you through your banking transactions. We consider all your information to be confidential and non public regardless of whether you have an on-going relationship with us.

Essential information - Refers to only that customer information that is necessary to conduct the business you have consented or directed us to perform.

Non-affiliated third party - Refers to a company that is not an affiliate, as defined above.

We - References to this word include the Bank and its affiliates.

HOW INFORMATION IS RECEIVED BY THIS BANK

The following list is provided to help you understand how customer information is obtained and how we use that information to better serve your financial needs.

- Information obtained from applications and documents you complete in order to establish an account relationship, such as your
name, social security number, assets, and income.
- Information obtained from transactions you conduct with affiliates, such as your account balance, payment history, parties to
transactions, and credit card usage.
- Credit Information obtained from a credit reporting agency or nonaffiliated third party, regarding your creditworthiness and credit
history. We may request this credit information if you apply for a loan or are establishing a deposit account and we lack sufficient credit history from our internal records to fairly evaluate your credit history. We will obtain your consent before any credit information is shared with an affiliate or third party, regardless of your directive to exercise your "opt out right." We are
not a credit reporting agency and we comply with all provisions of the Fair Credit Reporting Act.
- Information received from checks or other monetary instruments you write or deposit into your account with the Bank or with our affiliates.

If you have any questions regarding means by which we collect or exchange customer information, contact the Bank's Key Privacy Policy Contact.

RESTRICTIONS ON THE DISCLOSURE OF CUSTOMER INFORMATION

We will only reveal essential information about customers to non-affiliated third parties under the following circumstances:

- To comply with applicable laws and regulations;
- To protect the Bank against fraud;
- For the completion of financial transactions/transfers as specifically directed by the customer;
- To provide products or services offered by our affiliates, which may be beneficial or of interest to customers;
- To verify the existence or status of an account for a nonaffiliated third party, such as a credit bureau or merchant;
- As required by contractual agreements to conduct banking business the customer has directed us to perform, which requires the utilization of an outside party, such as a data service provider, appraisal firm or title company;
- To comply with any other specific request of the customer; or
- To collect debts which have not been paid in accordance with contractual terms.

EMPLOYEE ACCESS AND USE OF CUSTOMER INFORMATION

Our bank employees have access to your customer information. However, each employee of the Bank is responsible for maintaining the confidentiality of all customer data. Only employees who have a legitimate business reason to review customer information are permitted to do so. All employees are informed of privacy and security policies. Furthermore, employees are required, as condition of employment, to protect your personal information. A signed confidentiality agreement binds each employee to this responsibility. Personal information that comes on-line, through transactions made via computer or the internet is held to the same standards of privacy as any other transaction with the Bank. To help ensure your customer information remains secure and private, our computers systems have protection devices to help safeguard your customer information, which is maintained electronically. Examples of physical protection devices include password and pre-authorized user access level utilities. All of the customer information safety policies and systems described in this Privacy Policy are designed to provide you the highest degree of protection available.

MAINTAINING CUSTOMER PRIVACY IN BUSINESS RELATIONSHIPS WITH THIRD PARTIES

From time to time, the Bank contracts with outside vendors and other non-affiliates to perform services. We expect and require that our business partners safeguard any information regarding a Bank customer. Furthermore, with regard to contractual relationships we enter into with non-affiliated third parties, we require that they enforce the standards outlined in this Privacy Policy.

MAINTENANCE OF ACCURATE INFORMATION

The Bank provides opportunities for customers to correct or update incorrect or outdated information. When notified of incorrect information, the Bank strives to make the necessary corrections promptly. If you have any reason to believe that your personal information retained at the Bank is incorrect, pleas call our Key Privacy Policy Contact. We will investigate the inquiry, and if appropriate, update the information.

USE, COLLECTION AND RETENTION OF CUSTOMER INFORMATION AT OUR WEBSITE

You should be aware that when you visit our website, we collect certain information that does not identify you personally, but provides us with "usage data". We use this information to create summary statistics and to determine the level of interest in information available on our site. Such non-identifying information includes:

- Domain name (i.e. aol.com if you are using America Online);
- Date and time our site was accessed;
- City and state where your domain name is registered;
- Any keywords you may have used in a search engine to find us;
- The browser used to find us;
- The internet address of the website from which you linked directly to our site.

Like most commercial websites, some areas of our website may also use what is known as "cookie" technology. A "cookie" is a non-executable element of data that a website can send to your browser when you link to that site. By assigning a unique data element to each visitor, the website is then able to recognize repeat users, track usage patterns and better serve you when you return to that site. The "cookie" does not extract personal information about you. Most browsers provide a simple procedure that will enable you to control whether you want to receive cookies by notifying you when a website is about to deposit a cookie.

LINKING TO OTHER WEBSITES

From time to time, the Bank may provide links to other sites not owned or controlled by the Bank that we think might be useful or of interest to you. We cannot, however, be responsible for the content or privacy practices regarding information you provide to non-affiliated third party web site owners.