NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean The National Bank and Trust Company and NB&T Insurance Agency, Inc.

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

• All of our consumer customers who have a continuing relationship with us, such as:
  • Deposit account
  • Loan account
  • Credit card
  • Safe deposit box
  • Self-directed Individual Retirement Account where we act as custodian or trustee
  • Financial, investment, or economic advisory services (for a fee)
  • Insurance products and services
• All former customers

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

We will also tell you what information we share with other entities. We will explain what your rights are, and how you can exercise them. If you share your account relationship with someone else, for example where you are a co-borrower or joint holder of a checking account, we suggest that you share this information with each other to ensure that each of you are aware of our policy and your options.

We first define some terms.

Nonpublic personal information 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.

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 that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.

Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

THE INFORMATION THAT WE COLLECT

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

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with our affiliates
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION AND AFFILIATES

We may disclose nonpublic personal information about you. Here are the kinds of nonpublic personal information we may disclose to our affiliates:

Transaction and experience information from our account records:

• Information about your transactions and experience with us, such as:
  • Name
  • Address
  • Account balances
  • Types of accounts
  • Payment history
  • Deposit history
  • Parties to the transaction
  • Telephone number
  • Social security number

Federal law allows us to disclose the information listed above with our affiliates. We are not required to give you the right to opt out of the disclosure of this information.

Other information not taken from transactions and experience:

• Nonpublic personal information we receive from you on an application or other forms, such as
  • Assets
  • Income

You may opt out of the disclosure of the information listed above.

Types of Affiliates

We may disclose nonpublic personal information about you to the following types of affiliates:

• Financial service providers, such as:
  • Insurance agents

Reasons For Disclosure

Here is why we may disclose nonpublic personal information about you to our affiliates:

• To provide our customers with information about additional products and services
• To evaluate our total relationship with you and our family of companies and give you the best price that relationship deserves
• Many customers want us to know the individual pieces of their overall plan

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES

We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law.

TRUST DEPARTMENT INFORMATION

We do not share any information we collect in connection with offering our trust department services with anyone (except to the extent necessary to complete transactions authorized by you and as permitted by law).

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS

If you decide to close your account(s) or become an inactive customer, we will follow the privacy policies and practices as described in this notice.

YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR NONPUBLIC PERSONAL INFORMATION

Affiliates. We are permitted to disclose nonpublic personal information about our transactions or experiences with you to affiliates. We may also disclose other nonpublic personal information to our affiliates (that is, nonpublic personal information beyond our transactions and experiences with you), unless you tell us to not disclose this other nonpublic personal information.

Your decision to block the disclosure of your nonpublic personal information will apply to all products and services you receive from us.

If you have a joint account, an opt out instruction given by one participant of this account will affect all participants of the account.

If you wish to opt out of disclosures, you may do so by using any of the following methods:

• Check the appropriate box(es) on the Opt Out Notice that you should have received with your account statement and return it to us at this address:
  
  The National Bank and Trust Company
  Attn: Marketing Department
  P.O. Box 711
  Wilmington, Ohio 45177
  
  
• Call this toll free number: 1-800-837-3011
• Click on the 'Contact Us' button below, fill in the customer information, and fill in the 'Comments' section with your Social Security Number and the statement, "Do not share my nonpublic personal information"