At Marine Bank, trust and confidentiality are integral components of each customer relationship. Marine Bank honors that trust by handling your accounts and the information you share with us, with great care. We believe your privacy should not be compromised. We offer a full array of financial services and products needed to attain your financial goals. We believe we can do both through the privacy policy outlined below.

Recognition of Right to Privacy

Marine Bank recognizes your right to privacy and security for your personal and financial affairs. We understand the need to safeguard the sensitive information about you that you have entrusted to us. We maintain standards to ensure that your information is private and secure and have designed procedures to prevent misuse of this information.

Collection, Retention and Use of Customer Information

We collect, retain and use information about you only where we reasonably believe that it will help administer our business or provide products, services and other opportunities to you. We collect and retain information about you only for specific business purposes. We use information to protect and administer your records, accounts and funds; to comply with certain laws and regulations; to help us design or improve our products and services; to understand your financial needs and to provide you with quality products and superior service.

Maintaining Accurate Information

We strive to maintain complete and accurate information about you and your accounts. We have developed procedures to respond to your requests to correct inaccurate information in a timely manner. Should you believe that our records are incorrect, please notify us and we will investigate and correct any information.

Limited Access to Information

We have procedures and security levels that limit employee access to personally identifiable information to those employees with a business reason to know such information about you. We educate our employees about the importance of confidentiality and customer privacy through standard procedures, special training programs and the Financial Industry Code of Ethics. We take appropriate disciplinary measures to enforce employee privacy responsibilities.

System Security to Protect Information

Marine Bank is committed to the protection of your personal and financial information. Our operational and data processing systems are in a secure environment to protect your account from being accessed by third parties. We grant access to customer information only in accordance with our internal security standards. Marine Bank, Springfield maintains a partnership with Digital Insight to provide encryption, firewalls and secure servers to assure appropriate security for Internet banking.

Restrictions on the Disclosure of Account Information

We do not reveal specific information about your accounts or other personally identifiable information to parties outside our bank unless: 1) you request or authorize it; 2) the information is provided to help complete a transaction initiated by you; 3) the information is provided to a reputable credit bureau or similar information reporting agency; 4) the disclosure is lawfully permitted or required (e.g., subpoena or request from a regulator, etc.). We will not sell or provide information to a third party for the purpose of solicitation or provide personally identifiable information to a third party for its own use.

Privacy for our Website

We recognize the importance of protecting the confidentiality of personal information that may be submitted to us when you visit our website. The information we receive depends on what you do when you visit our website.

If you visit our site to read or download information such as product information for checking and savings accounts or other services offered by Marine Bank, we do not collect personally identifiable information from this visit. We do measure the number of visitors to assist us in making our site more useful to our visitors.

If you register to use online banking services, send us e-mail messages or complete forms or bill payment information you may be asked to provide information to process your transaction or request. This information may be retained by us to facilitate decisions and to complete the requested transactions. Information you submit to us is treated no differently than information you might provide in a written format such as account applications, check reorders or other correspondence.

Our Commitment to You

We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how Marine Bank protects your confidential information, please call our Customer Help Desk at 217-726-0660 or the Compliance Department at 217-726-0600.