Online Security Statement

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System Security and Browser Information

The security of your financial information is our highest concern. We have put procedures in place to make sure your information is secure. To insure the security of your password, never share it with anyone. When the Windows screen asks if you would like your User ID and/or password remembered, always say "No". Do not use easily identifiable words for your user ID or password such as your name or social security number.

The bank utilizes a secure server that supports 128-bit encryption to ensure that your personal information is safely transmitted over the internet. We recommend that you use the most current version of your preferred browser when banking online. Wheatland Bank supports operating systems of Windows 98, Windows 2000, Windows XP SP2, MAC OS X 10.1, 10.2, 10.3. There are firewalls installed to prevent unauthorized access of confidential information. There is also an automatic lockout feature which will automatically lock out an attempt to process account information after six failed logon attempts. In addition, the system will automatically timeout if your session activity remains idle for a period of twenty minutes.

To read about additional steps that we take to protect your personal information, review our Privacy Statement.

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Privacy Statement

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Your Privacy
At Wheatland Bank, respecting the privacy and security of your personal information is important to us. We know, however, that not everyone who takes their privacy seriously is necessarily well-versed in “legal or regulatory-ese.” There are plenty of legal terms in Wheatland Bank’s own privacy policy, which you will find on the following pages. We urge you to read it carefully, and make note of your rights under this policy. We’ve tried to provide easy-to-understand explanations of the most frequently used legal terms-terms we are required to use to ensure clarity and consistency. We want to make sure that your personal information is protected, and that you understand the policies that protect you. You’ll find the same terms used in many companies’ privacy policies.

Safeguarding Customer Information
We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your personal information. Even if you are no longer our customer, we will continue to treat your nonpublic personal information in the same way as if you were a customer.

Collection of Information
We collect nonpublic personal information about you from the following sources:

• From you, on forms, via the Internet, by telephone or otherwise. Examples of this type of information include your name, address, social number, credit history and other financial information.
• From transactions with us or non-affiliated third parties. For example: your payments histories, account balances, and other transaction records.
• From credit reporting agencies, such as information relating to your creditworthiness, your credit score and credit usage.
• From third parties to verify information you have given us.

Disclosure of Information
We may disclose the following kinds of nonpublic personal information about you to the following sources:

• Information we receive from you on applications or other forms such as your name, address, social security number, assets, income, etc.
• Information about your transactions with us such as your account balance,payment history, parties to transactions, etc.
• Information we receive from a consumer reporting agency such as your creditworthiness, credit history, etc.

Uses of Shared Information
We may share all the information that we collect, as described above, for the following purposes:

• To provide you with the products and services you requested.
• To offer you additional products and services, that may be of interest to you.
• To comply with reporting and other legal requirements.
• To otherwise conduct business.

Information Sharing with Nonaffiliated Third Parties as Permitted by Law
We are permitted by law to share all the information we collect, with companies that perform marketing services on our behalf.

We may also share all the information we collect, as described above, with other nonaffiliated third parties that assist us with preparing monthly statements and with the processing and printing of checks. These other nonaffiliated third parties also include credit reporting agencies to whom we report information about your transaction with us.

Opt Out Option:
If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties, you may complete the attached Opt Out form and submit it to Wheatland Bank in person or mail it to: 2244 95th Street, Naperville, IL 60564. You may also opt out by calling Wheatland Bank at (630) 848-8080.

What this means:
Wheatland Bank will not share nonpublic personal information about you with nonaffiliated third parties except as permitted by law. These exceptions include other nonaffiliated service providers such as those that assist us with monthly statement preparation, check printing, check processing, and credit reporting agencies to whom we report information about your transactions with us.

Please note that, even if you opt out, you may still receive advertising and other marketing materials if those materials can be provided without violating your opt out instructions.

Your decision to limit marketing offers will not expire unless you revoke it in writing, or, if you agree electronically.

Click here for Opt Out Form

Other Ways to Protect Your Privacy

Marketing Lists
You can also reduce the amount of marketing material and credit applications you receive via mail, telephone, or e-mail by writing the Direct Marketing Association at the addresses listed below. These marketing companies are not affiliated or used by Wheatland Bank. You must provide your name, address and telephone number with your request.

Mail Preference Service
C/o Direct Marketing Assn.
P.O. Box 9008
Farmingdale, NY 11735-9008


Telephone Preference Service
C/o Direct Marketing Assn.
P.O. box 9014
Farmingdale, NY 11735-9014


E-mail Preference Service
www.dmaconsumers.org/consumerassistance.html

Identity Theft
Identity theft is a serious and growing problem. If someone has fraudulently used your identification to establish credit, report the incident as quickly as possible to each of the credit reporting agencies listed below and ask that a fraud report be placed on you file.

Experian 888-397-3742
Equifax 800-525-6285
TransUnion 800-680-7289


You may also check to see if any additional credit accounts have been opened without your consent or whether unauthorized charges were billed to your accounts. Contact these credit reporting agencies to obtain a copy of your credit report.

Experian 888-397-3742
Equifax 800-685-1111
TransUnion 800-916-8800


Please not that this contact information is being provided as a service to you. Wheatland Bank is not affiliated with any of these services and cannot guarantee their effectiveness.

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