Safety Tips for Traveling the Web...

With any banking activity, you should take reasonable safety steps. Internet Banking is no different. Williamsville State Bank and Trust’s web address is http://www.wsbt.net.

When visiting our web site we recommend that you access our site by directly typing in our address. We do NOT recommend you reach our bank site via links from other websites. A link is a short cut where you do not see the true address you are going to, until you are there. Our web address will be at the top of your web page on your computer. When doing Internet Banking the web address will change to the web address for FundsXpress, our Internet service provider. That link created from our site to FundsXpress is safe.

If you ever have any safety or security concerns, give us a call at (217) 566-3387, our home office in Williamsville.

Williamsville State Bank and Trust WILL NEVER ask for personal information, passwords or other security or private information on the Internet or by phone which would give access to your accounts. Our bank staff will always contact you from one of our banking offices at the phones or addresses below.

Financial Privacy Disclosure

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our and us, when used in this notice mean Williamsville State Bank and Trust.

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a:

• Deposit account
• Loan account
• Credit card account
• Safe deposit box
• Self-directed Individual Retirement Account
• Pledged securities we hold

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories
and government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

An affiliate is a 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.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as a nonaffiliated third party, or simply an "other party".

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency

INFORMATION WE DISCLOSE ABOUT YOU

We do NOT disclose any information about you, except as permitted by law.

THE CONFIDENTIALITY, SECURITY AND INTEGRATION OF YOUR INFORMATION

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.