Privacy Disclosure 2023

Privacy Disclosure 2023

Rev. 07/2023

FACTS	WHAT DOES Bank & Trust Company DO WITH YOUR PERSONAL INFORMATION?
WHY?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
WHAT?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and Income Payment History and Overdraft History Account Transactions and Account Balances When you are no longer our customer, we continue to share your information as described in this notice.
HOW?	All financial companies need to share customer's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer's personal information; the reasons Bank & Trust Company chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information		Does Bank & Trust Company share?	Can you limit this sharing?
For our everyday business purposes-- such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus		Yes	No
For our marketing purposes-- to offer our products and services to you		No	We don't share
For joint marketing with other financial companies		No	We don't share
For our affiliates' everyday business purposes-- information about your transactions and experiences		No	We don't share
For our affiliates' everyday business purposes-- information about your credit worthiness		No	We don't share
For nonaffiliates to market to you		No	We don't share
Questions?	Call 800-930-3935 or go to www.banktr.com

Who we are
Who is providing this notice?	Bank & Trust Company
What we do
How does Bank & Trust Company protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Bank & Trust Company collect my personal information?	We collect your personal information, for example, when you Open an account or apply for financing Show your driver's license or provide employment information Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates' everyday business purposes—information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for additional State of Illinois Laws
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Bank & Trust Company does not share with our affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Bank & Trust Company does not share with non-affiliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Bank & Trust Company does not jointly market.
Other important information
Illinois State Law prohibits the sharing of non-public information unless information is requested by the customer to conduct transactions or is permitted by law.