Disclosures

PRIVACY POLICY

Our Privacy Commitment to You

We recognize, respect and protect the personal privacy rights of all our customers. We realize that our customers entrust us with personal information and it is our policy to maintain our customers' information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers' personal information, as well as personal information of all consumers who visit our institution and website (www.midwestbankcentre.com).

Confidentiality and Security of 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 We Collect

"Nonpublic personal information" is nonpublic information about you that we may obtain in connection with providing a financial product or service to you. This could include information such as your name, address, and other information required at account opening, account balances, payment history, and overdraft history. 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, our affiliates, or others
Information we receive from a consumer reporting agency

Nonpublic Personal Information We Share. We do not disclose any nonpublic personal information about you to anyone, except as permitted by law. We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. If you decide to close your account or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.

Notify Us of Inaccurate Information We Report to Consumer Reporting Agencies. Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address: Midwest BankCentre, Compliance Department, 2191 Lemay Ferry Road, St. Louis, MO 63125.

USA PATRIOT ACT NOTICE

Uniting and Strengthening America by Providing Appropriate Tools
Required to Intercept and Obstruct Terrorism

Important Information About Procedures For Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When opening an account, we will ask for the following information of anyone on the account: name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

SUBSTITUTE CHECK POLICY DISCLOSURE

Substitute Checks and Your Rights

What is a substitute check?

To make check processing faster, federal law permits credit unions and banks to replace original checks with “substitute checks”. These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: “This is a legal copy of your check.” You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check.

Some or all of the checks that you receive back from us may be substitute checks. This disclosure describes rights you have when you receive substitute checks from us. The rights in this disclosure do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions.

What are my rights regarding substitute checks?

In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check.) The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).

The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.

If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim.

We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.

How do I make a claim for a refund?

If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at any of our locations, or for more information please call us at (314) 631-5500. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.

Your claim must include:

A descriptive of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);
An estimate of the amount of your loss;
An explanation of why the substitute check you received is insufficient to confirm that you have suffered a loss; and
A copy of the substitute check

DISCLAIMERS

While Midwest BankCentre uses reasonable efforts to include accurate and up-to-date information on this web site, we make no representations as to the accuracy, timeliness or completeness of that information. In using this web site, you agree that its information and services are provided “as is, as available” without warranty, express or implied, and that you use this site at your own risk.

LIMITATION OF LIABILITY

In no event shall Midwest BankCentre be liable for any direct, indirect incidental, special, consequential or exemplary damages, included but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if Midwest BankCentre has been advised of the possibility of such damages), resulting from: (i) the use or the inability to use the site; (ii) unauthorized access to or alteration of your transmissions or data, computer virus, (iii) any errors or delays in the content, or for any actions taken in reliance thereon; (iv) statements or conduct of any third party linked through this site or (v) any other matter relating to this site. This Limitation of Liability shall apply whether such damages arise in contract, negotiations, tort, under statute, in equity, at law or otherwise.

FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC)

At Midwest BankCentre, deposit insurance coverage is provided by the Federal Deposit Insurance Company (FDIC). The basic insured amount per depositor is at least $100,000.00. For more information on FDIC insurance, please visit www.FDIC.gov.

New Deposit Insurance Limits

The standard insurance amount of $250,000 per depositor is in effect through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor.

Transaction Account Guarantee Program

Midwest BankCentre is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through June 30, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

Program Update: Midwest BankCentre has elected to discontinue its participation in the Transaction Account Guarantee program. After June 30, 2010 funds held in non-interest bearing transaction accounts will no longer be guaranteed in full under the program, but will be insured up to $250,000 under the FDIC's general deposit insurance rules.

WEB LINKS

Midwest BankCentre links to non-Midwest BankCentre Web sites to provide you, our valued customer, with a greater range and depth of information and/or products and services. Non-Midwest BankCentre Web sites are not maintained by Midwest BankCentre, but rather by one of Midwest BankCentre's business partners. Midwest BankCentre is not responsible for the products, services and overall content provided by these partners. Please also note that this business partner's privacy policy may be different from Midwest BankCentre's privacy policy.