

<p>We recognize the importance of protecting the privacy of personally identifying information that may be submitted to us when you visit our website.</p>
<p>The information we receive depends on what you do when you visit our site. This is how we handle the information we learn about you from your visit to our website.</p>
<p>If you visit our site to read or download information on our web pages such as press releases and checking and savings account information:</p>
<p>Your identity remains anonymous. We collect and store only the following information about you: name of the domain from which you access the Internet (for example, aol.com, if you are connecting from an American Online account, or a similar domain corresponding to your Internet Service Provider “ISP”); date and time you access our website; pages you may have visited on our site; and Internet address of the website from where you came to visit our website.</p>
<p>We use the information we collect to measure the number of visitors to the different pages and sections of our site, and to help us make our site more useful to visitors.</p>
<p>If you visit our website to use interactive banking tools such as financial calculators and self-tests:</p>
<p>You may be asked for personal information in order to complete the requested analysis or evaluation. This information is NOT retained.</p>
<p>If you identify yourself by sending an e-mail or filling out forms such as applications, check reorder forms, contact forms and guest registers:</p>
<p>You may be asked for personally identifying information in order to process your e-mail, form or application. This information may be retained by us and our business partners for processing and to facilitate decisions. Information you submit to us is treated no differently than any information you might provide in a written format such as a brochure application, reorder slip to order checks, or a letter.</p>
<p>Website visitors should keep in mind that e-mail is not necessarily secure against interception. If you do not agree with the use of this information, or are not comfortable with the level of privacy, please cancel an e-mail before it is sent.</p>
<p>Foundation Bank will NEVER ask you for your Personal Identification Number (PIN) for your Foundation Bank ATM card or debit card. If you are asked for this information, please call (731)352-2262 and report it to a customer service representative immediately.</p>
<p>We Want To Be Very Clear</p>
<p>We protect and safeguard the privacy of users of our online services, just as we do throughout the rest of our business. We will use personal information to identify you, to communicate with you, and to help us answer your questions.</p>
<p>We will NOT sell personally-identifying information to a third party for the purpose of solicitation or provide personal information to a third party for its own use.</p>
<p>Sometimes we send our customers information about our products and services. If you do not wish to receive this information, or if you believe that your personal information is incorrect, please feel free to contact us. We will investigate the situation and if appropriate, update our records.</p>
<p>If you have any questions that are not answered in this section, please feel free to contact us.</p>
<p>NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS</p>
<p>We, our, and us, when used in this notice, means McKenzie Banking Company/Foundation Bank. This is our privacy notice for our customers. When we use the words “you” and “YOUR” we mean the following types of customers:</p>
<p>All of our consumer customers who have a continuing relationship with us, such as:</p>
<p>Deposit account<br />
  Loan account<br />
  Credit card<br />
  Safe deposit box<br />
  Retail installment contract we hold and service<br />
  Self-directed individual retirement account where we act as custodian or trustee<br />
  Financial, investment, or economic advisory services (for a fee)<br />
  Home mortgage brokerage<br />
  We will tell you the source for nonpublic personal information we collect on our customers.<br />
  We will tell you what measure we take to secure that information.</p>
<p>We first define some terms.</p>
<p>Nonpublic personal information</p>
<p>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.</p>
<p>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 owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.</p>
<p>A nonaffiliated third party is a company that is not an affiliate of ours.</p>
<p>THE INFORAMTION THAT WE COLLECT</p>
<p>We collect nonpublic personal information about you from the following sources:</p>
<p>Information we receive from you on applications or other forms<br />
  Information about your transactions with us<br />
  Information about your transactions with nonaffiliated third parties<br />
  Information from a consumer report agency</p>
<p>THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION</p>
<p>We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.</p>
<p>NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES</p>
<p>We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law.</p>
<p>NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS<br />
  <br />
  We will not disclose nonpublic personal information about former customers except as permitted by law.</p>
<p>NONPUBLIC PERSONAL INFORMATION AND AFFILIATES FUTURE CHANGES</p>
<p>In the future, we may disclose nonpublic personal information about you to affiliates, even though we are not doing so now. Here are the kinds of nonpublic personal information we may disclose to our affiliates:</p>
<p>Transaction and experience information from our account records;<br />
  Information about your transactions and experience with us such as:</p>
<p>Name<br />
  Address<br />
  Types of accounts<br />
  Payment history<br />
  Deposit history</p>
<p>Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.</p>
<p>LIMITATIONS ON DISCLOSURE</p>
<p>Here are the limitations we would impose on the use of nonpublic personal information disclosed to affiliates:<br />
  --We only allow direct mail solicitations<br />
  --We do not allow telephone solicitations</p>
<p>PROTECTING CHILDREN</p>
<p>Foundation Bank does not knowlingly solicit data from children, and we do not knowlingly, conduct on-line marketing to children.
<p>If you believe Foundation Bank has misused information obtained through our relationships with you or through our Web site, or if you have questions or concerns regarding this privacy policy, please contact Joni Hofmeyer at (731)642-3130 to resolve any disputes.</p>