Effective Date: May 2007

Jackson County Bank (“JCB”, “we”, “us”, or “our”) recognizes and respects the privacy expectations of our customers and in that spirit we provide the following principles of consumer customer privacy.

JCB defines our customer as:
A consumer customer who has a continuing relationship with us, such as
Deposit account
Loan account
Safe deposit box
Retail installment contract we hold and service
Self–directed Individual Retirement Account where JCB acts as custodian or trustee
A former customer

Definitions
Nonpublic Personal Information – information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

Affiliate – company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

Nonaffiliated Third Party – company that is not an affiliate of ours.

Use, Collection and Retention of Customer Information
We support the principle that financial institutions should collect, retain and use information about individual customers only where it is necessary (and allowed by law) in administering that person's business. We collect nonpublic personal information about customers from the following sources:

Information we received from the customer on applications or other forms
Information about customer transactions with us
Information about customer transactions with nonaffiliated third parties
Information from a consumer reporting agency

Maintenance of Accurate Information
JCB has established procedures to further the goal that our customer’s financial information be accurate, current and complete in accordance with reasonable commercial standards. JCB responds to requests to correct inaccurate information in a timely manner.

Limiting Employee Access to Information
JCB seeks to limit employee access to personally identifiable information to those with a business reason for knowing such information. JCB educates employees so that they will understand the importance of confidentiality and customer privacy and takes appropriate measures to enforce employee privacy responsibilities. JCB maintains physical, electronic, and procedural safeguards that comply with federal standards to guard nonpublic personal information.

Protection of Information via Established Security Procedures
We maintain appropriate security standards and procedures regarding unauthorized access to customer information.

Restrictions on the Disclosure of Account Information
JCB does NOT disclose any nonpublic personal information about our customers to anyone, except as permitted by law. It is JCB’s policy not to reveal specific information about customer 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 to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence or business matter; unless 1) the information is provided to help complete a customer initiated transaction; 2) the customer requests or permits it; 3) the disclosure is required by or allowed by law (e.g., subpoena, investigation of fraudulent activity, request by regulator, etc.); or 4) the customer has been informed about the possibility of disclosure for marketing or similar purposes through a prior communication and given the opportunity to decline (i.e., “opt out”).

Maintaining Customer Privacy in Business Relationships with Third Parties
In the limited circumstances that we provide personally identifiable customer information to a third party, we expect that the third party will adhere to similar privacy principles that provide for keeping such information confidential.

Former Customers
JCB privacy policies and practices are respected in interactions with and for current as well as former customers.

Cookies
Cookies are small text files that a web site can store on the visitor’s web browser. A cookie may be used to track a visitor’s path of navigation through the site for configuring a session which is tailored to that visitor. Cookies track trends and behaviors, but do not identify visitors. For example, a cookie may contain a website name, a user id assigned by the webserver (for tracking if the visitor has browsed the site previously) and sometimes a navigation path. When returning to the site, the web server can identify that this is a repeat visitor and possibly monitor if the visitor has returned to visit the same pages that were visited on previous visits. In order to learn more about cookies, please visit http://computer.howstuffworks.com/cookie1.htm.

NetBanc Online Banking and Bill Pay Service require that cookies be enabled in order to use these services. The remainder of the jcbank.com website does not utilize cookies.

Children’s Online Privacy
JCB does not intentionally collect information of any kind from visitors under the age of 13. Visitors are afforded the option to communicate with JCB via a variety of contact forms as well as secure forms related to NetBanc Online Banking located in the Banking Freedom section of the website. Any information collected on the NetBanc related forms is solely for verification purposes. If information is received from an individual who is found to be under the age of 13, the information will be used to answer the specific inquiry, seek parental consent, and/or provide parental notice. Nonpublic personal information is NOT disclosed to third parties except as permitted by law. JCB is not responsible for data collection practices of any third party website to which jcbank.com links.

Any questions should be addressed to:

Customer Service Department
PO Box 1001
Seymour, IN 47274
(812) 522-3607