IMPORTANT INFORMATION ABOUT YOUR RIGHT TO PRIVACY You are asked to provide us with certain personal information that helps us give you better service and complete your transactions more effectively.  Our affiliates provide important services and products designed to provide you with quality financial services.  We may share information about you with our affiliates so we can serve you more efficiently and offer you products and services that we know would benefit you.  You may “opt out” of sharing certain information with our affiliates.  Even if you “opt out” however, we will continue to share information relating to our affiliates’ experiences or transactions with you or your account.  If you prefer that we not share information with our affiliates that does not relate solely to our affiliates’ experiences or transactions with you or your account, you may direct us not to share this information by completing and mailing to us the “opt out” form. We work diligently to safeguard the information you give to us.  In fact, we developed the following policies to ensure your confidentiality and maintain your confidence in our institution.  Please read the following information carefully. BANK STAR 1999 WEST OSAGE PACIFIC MISSOURI 63069 (636) 271-2265 CONTACT: BETTY COCHRAN BANK STAR OF THE LEADBELT 365 WEST MAIN ST P.O. BOX D PARK HILLS, MISSOURI 63601 (573) 431-7400 CONTACT: DONNA BUNCH BANK STAR ONE 5TH & JEFFERSON P.O. BOX 638 FULTON, MISSOURI 65251 (573) 642-3352 CONTACT: RICHARD POSTON BANK STAR OF THE BOOTHEEL 100 SOUTH WALNUT STREET P.O. BOX 240 STEELE, MISSOURI 63877 (573) 695-4441 CONTACT: JULIA WHEATLEY   NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS             We, our and us, when used in this notice, mean Bank Star, Bank Star One, Bank Star of the LeadBelt, Bank Star of the BootHeel. 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(n): Deposit account Loan account Safe deposit box Retail installment contract we hold and service Individual Retirement Account where we act as custodian Debit card account 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 will tell you what information we share about you with other entities.  We will explain what your rights are, and how you can exercise them. If you share an account relationship with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you is aware of our policy and your options. We first define some terms.             Nonpublic personal information means 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.  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 nonaffiliated third party, or simply, an “other party”.             Opt Out means a choice you can make to prevent certain sharing of information.  We will explain how you can exercise this choice. 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 our affiliates Information about your transactions with other parties Information from a consumer reporting agency Information we receive as a result of verifying customer information THE CONFIDENTIALITY, SECURITY, AND INTEGRITY 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. YOUR INFORMATION AND OUR AFFILIATES             We may disclose information about you to our affiliates.  Here are the kinds of information and the source of that information:             Transaction and experience information from our account records:                          Information about your transactions and experience with us, such as; Name Address Account balances Account activity Types of accounts Parties to the transaction Payment history Deposit history Social security number Internet banking activity Federal law allows us to disclose the information listed above with our affiliates. TYPES OF AFFILIATES We may disclose information about you to the following types of affiliates:             Financial service providers, such as; Bankers Securities broker-dealers Future Affiliate Disclosure: We also reserve the right to disclose the following additional information about you to our affiliates in the future; Transactions and experience information from our account records;             Information about your transactions with us, such as; Internet banking activity Federal law allows us to disclose the information listed above with our affiliates. We may disclose this information with the affiliates listed under the heading Types of Affiliates.            YOUR INFORMATION AND OTHER PARTIES             We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law.  Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions. INFORMATION ABOUT FORMER CUSTOMERS             We do not disclose information about former customers, except as permitted by law. AUTHORIZED SHARING OUTSIDE MARKETING SERVICES             We may disclose the following information to companies that perform marketing services on our behalf:             Information you give us on an application or other forms, such as; Name Address Telephone number Information about your transactions with us, such as; Account balances Account activity Types of accounts Credit card usage Deposit history We disclose the information listed above with companies that perform marketing services on our behalf.  You do not have a right to opt out of the disclosure of this information.  We may also disclose information about you to other outside marketing services as permitted by law. Types of Businesses:   Here are the types of businesses with whom we may disclose information for outside marketing purposes:             Service providers that perform marketing services for us, such as; MCI (Marketing Customer Information Systems) AUTHORIZED SHARING JOINT MARKETING             We may disclose the following information to other financial institutions with whom we have joint marketing agreements:             Information you give us on an application or other forms, such as; Name Address Information about your transactions with us, such as; Debit card activity Internet banking activity We disclose the information listed above with other financial institutions with whom we have joint marketing agreements.  You do not have a right to opt out of the disclosure of this information. State limitations:  We will not share this information about our customers who reside in Illinois with other parties. Types of Businesses:   We may disclose information pursuant to joint marketing agreements to the following types of businesses:             Financial service providers, such as: Securities broker-dealers Financial group (Progeny Marketing Innovation) YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR INFORMATION Affiliates:  We may disclose your information with our affiliates. If you do not want us to disclose your information with our affiliates, you can block the disclosure of this information.  This is known as your right to “opt out”.               Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us.              If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of the party’s information we have collected and for all information collected in conjunction with the product or service  for all other joint parties.  If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service.             If you wish to opt out of the disclosure of your information, you may do so by checking the appropriate box(es) on the Opt Out Notice that you received with this notice and by returning it to us at this address:             BancStar Inc.             1450 Parkway West, Suite 200             Festus, MO 63028 MEMBER FDIC -------------------------cut here ----------------------------------------cut here ------------------ OPT OUT NOTICE             In this notice, we have explained our policy about the disclosure of certain information.             Affiliates:  We have explained the kinds of information we may disclose to our affiliates.  We have also explained the kinds of affiliates with whom we may disclose the information.  It you prefer that we do not disclose information to our affiliates you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law).             Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us.             If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of that party’s information we have collected and for all information collected in conjunction with the product or service for all other joint parties.  If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service.             If you wish to opt out of the disclosure of your information, you may do so by checking the appropriate box(es) below and by returning this form to us at this address:             BancStar Inc.             1450 Parkway West, Suite 200             Festus, MO 63028             ___            Do not share my information with your affiliates. Signature Name(s) Social Security Number(s) Account Number(s) Street Address                                                                                                  Apt# City, State, ZIP MEMBER FDIC