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FARMERS CAPITAL BANK
CORPORATION
PRIVACY NOTICE
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.
Use, Collection and
Retention of Customer Information
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
We collect nonpublic personal information from the following
sources:
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Information provided to us on applications,
signature cards, or other forms: such as name, address,
social security number and income.
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Information concerning transactions with us
or others: such as account balance and payment history.
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Information we receive from consumer
reporting agencies or others, such as creditworthiness and
credit history.
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.
Disclosure of Customer
Information to Affiliates and Nonaffiliated Third Parties
We may disclose nonpublic personal customer information, such as
name and address to nonaffiliated third parties who perform
joint marketing of financial products such as insurance. We may
also disclose nonpublic personal customer information to
affiliated companies within The Corporation, when:
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the customer requests that we do so;
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the information is provided to help complete
a customer-initiated transaction;
In addition, we may disclose
nonpublic personal customer information when the disclosure is
allowed or required by applicable law (e.g., a subpoena, fraud
investigation, etc.).
Farmers Capital Bank
Corporation
The following is a list as of February 2, 2009, of the Farmers
Capital Bank Corporation subsidiaries to which this Privacy
Notice applies:
Farmers Capital Bank Corporation
P. O. Box 309
Frankfort, KY 40602-0309
(502) 227-1668
Farmers Capital Insurance Corp.
dba
Capital Insurance Group
P. O. Box 309
Frankfort, KY 40602-0309
(502) 227-1600
FCB
Services, Inc.
P. O. Box 309
Frankfort, KY 40602-0309
(502) 227-1602
Leasing One Corporation
P. O. Box 309
Frankfort, KY 40602-0309
(502) 227-1642
Farmers
Bank & Capital Trust Co.
Frankfort
P. O. Box 309
Frankfort, KY 40602-0309
(502) 227-1600
LNB
Harrodsburg - Lawrenceburg - Danville
P. O. Box 80
Lawrenceburg, KY 40342-0080
(502) 839-2600
First
Citizens Bank
Shepherdsville - Elizabethtown - Radcliff - Mt. Washington
P. O. Box 1630
Elizabethtown, KY 42702-1630
(270) 769-2301
United
Bank & Trust Co.
Georgetown - Lexington - Midway – Nicholasville - Stamping
Ground - Versailles - Wilmore
P. O. Box 89
Versailles, KY 40383-0089
(859) 264-0468 (Fayette Co.)
(859) 885-0900 (Jessamine Co.)
(502) 863-2393 (Scott Co.)
(859) 873-3136 (Woodford Co.)
Citizens
Bank of Northern Kentucky
Newport - Alexandria - Bellevue - Ft. Thomas - Highland Heights
- Florence - Independence - Crestview Hills
103 Churchill Drive
Newport, KY 41071
(859) 572-2660
FCBC
revised 9-2009

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