Privacy and Information Security
Principles

Community Bank and Trust has adopted the following principles:

At Community Bank and Trust, the basis of each customer relationship is trust. As financial services professionals entrusted with sensitive financial information, we respect the privacy of our customers and are committed to treating customer information responsibly. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.

Collection and Use of Customer Information:

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

Information we receive from you on applications or other forms;
Information about your transactions with us, or our affiliates, or others; and
Information we receive from a consumer reporting agency

We may disclose all of the information we collect as described above to companies that perform joint marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. Those third parties contractually agree not to use the information for any other purpose.

Sharing Information with Third Parties:

We do not disclose any nonpublic personal information about our customers or former customers to parties outside our affiliated banks and companies for their independent use unless:

You request or authorize it
The information is provided to help complete a transaction initiated by you
The information is provided to a reputable credit bureau or similar information reporting agency
The disclosure otherwise is lawfully permitted or required

Limitations on Access to and Protection of Information:

We restrict access to nonpublic personal information about you to those employees who have a legitimate business reason to know such information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

We believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers' trust. Thus, the safekeeping of customer information is a priority for Community Bank and Trust.

Special Information Applicable to Electronic (Internet) Banking

Community Bank and Trust's "Privacy and Information Security Principles" will apply to customers' confidential and private information with regard to both traditional and non-traditional (i.e., Internet) banking activities. However, due to the unique nature of the Internet and the ease with which information can be exchanged, Community Bank and Trust feels it is important for customers to be aware of the unique issues surrounding Internet Banking.

To better serve legitimate Internet Banking customers:

Community Bank and Trust collects generic information about visitors to our website. This information includes the date and time of access, the Internet service provider's address, the web browser used, and the visitor's physical location.

Community Bank and Trust requires customers to utilize specific passwords for access to confidential and private information. Community Bank and Trust reminds customers of their responsibility to safeguard login IDs and passwords. In addition, commercial customers should carefully screen those employees to whom user IDs and passwords are granted.

Community Bank and Trust utilizes encryption, firewall, router, third party verification procedures and other security software and hardware to help prevent unauthorized eavesdropping of and access to customers' confidential and private information.

Community Bank and Trust utilizes virus protection software to help prevent the spread of computer viruses.

Community Bank and Trust utilizes "cookies" to help authenticate our customers' identities and to help facilitate the exchange of information between Community Bank and Trust systems and our customers' systems.

Community Bank and Trust reminds all of our customers that links in the institution's websites can be found to websites not under our control. These websites will not necessarily comply with Community Bank and Trust's "Privacy Principles" and security standards.

Community Bank and Trust reminds all of our customers that confidential and private information may be compromised in both traditional and non-traditional banking activities. Community Bank and Trust can only establish policies and procedures to help restrict use of and access to confidential and private information. If any Community Bank and Trust customers believe that confidential and private information has been compromised, please contact Community Bank and Trust immediately so that the potential breach can be investigated.

Comments or Complaints by Customers

Any comments or complaints about this policy, any privacy-related issue or any inaccuracy in customer data can be made by contacting:

Compliance Officer
Community Bank and Trust
100 S. Wood St./P.O. Box 400
Neosho, Missouri 64850
417-451-1040
Contact Us

Community Bank & Trust is headquartered in Neosho, MO 64850. We have locations in Neosho, Joplin, Anderson, Granby, Seneca, Diamond & Carl Junction, MO and Riverton & Galena, KS.

24 Hour Account Information: CBT Express Banking 1 800 397 5550

Community Bank and Trust is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through June 30, 2010, all noninterest-bearing transaction accounts and interest-bearing transaction accounts with interest rates of 0.5 percent or less are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

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