Farmers Capital Bank Corporation, on behalf of itself and its bank and non-bank subsidiaries (listed on the reverse side of this Notice and hereinafter collectively referred to as "The Corporation" or "We"), hereby adopts the following Privacy Notice: 

Recognition of a Customer's Expectation of Privacy

We understand and respect the privacy expectations of our customers and recognize our obligation to keep information about them secure and confidential.  It's important to know that unlike many other financial institutions, we have never nor do we intend to sell customer information. The Corporation will continue to maintain standards to ensure that customer information is private and secure at all times.

We will collect, retain and use information about our customers only when we reasonably believe it would be useful (and allowed by law) to administer The Corporation's business and/or to offer or provide products, services and other opportunities to its current or prospective customers.  We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. 

Information We Collect and How We Obtain It

Maintenance of Accurate Information

The Corporation has established procedures to ensure that to the extent practicable, all customer information is accurate, current and complete in accordance with reasonable commercial standards and applicable law.  We will respond to legitimate requests to correct inaccurate information in a timely manner and in accordance with applicable law. 

Limitation on Employee Access to Customer Information

We will limit employee access to personally identifiable information to those with a business reason for knowing such information.  Employees are also educated so that they understand the importance of confidentiality and customer privacy.  Employees are responsible for maintaining the confidentiality of customer information and we will take appropriate disciplinary measures to enforce employee privacy responsibilities. 

Protection of Customer Information via Established Security Procedures

The Corporation maintains appropriate security standards and procedures concerning unauthorized access to customer information as required by prudent business practices, corporate policy and applicable laws and regulations.

The following is a list as of February 2, 2009, of the Farmers Capital Bank Corporation subsidiaries to which this Privacy Notice applies: