PRIVACY POLICY (and ON-LINE PRIVACY POLICY)

     At Lincoln Bank, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with Lincoln Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.

     At Lincoln Bank, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers' trust. Thus, the safekeeping of customer information is a priority for Lincoln Bank.

     Information about consumers is accumulated from a variety of sources. Some information is provided to Lincoln Bank directly by customers themselves. Other data is developed by Lincoln Bank as a function of providing a product or service to a customer. Still other information is obtained from outside sources. We will limit the use and collection of information about our customers to that which is necessary to administer our business, provide superior service, and offer opportunities that we think will be of interest to customers. This means that we will use information to help us identify and mitigate potential risks or loss to Lincoln Bank. We will use information to help identify additional products or services which we believe customers might want to know about. We will use this information only in accordance with the principles set out in this Policy.

     We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

     At Lincoln Bank, employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information and on these Privacy Principles. Because of the importance of these issues, all Lincoln Bank employees are responsible for maintaining the confidentiality of customer information and employees who violate these Privacy Principles will be subject to disciplinary measures.

     We safeguard information according to established security standards and procedures, and we continually assess new technology for protecting information. Our employees are trained to understand and comply with these information principles.

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     We do not reveal specific information about your accounts or other personally identifiable data 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 otherwise is lawfully permitted or required. We do not provide account or personal information to non-Lincoln Bank companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

     When Lincoln Bank conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

     Lincoln Bank recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed these Privacy Principles which are made readily available to our customers. Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call Lincoln Bank at 1-317-839-6539 locally or 1-888-895-6539 for outside the banking area, or write to Compliance Officer, 1121 East Main St., PO Box 510, Plainfield, IN 46168

ON-LINE PRIVACY POLICY

     Certain personal information about visitors to this Web site is being collected by Lincoln Bank, Plainfield Indiana, and it's web site providers: Online Resources & Communications Corporation, McLean, VA 22102, Aurum Technology, Inc, Charlotte, NC 28262, and SBC Communications, 175 E. Houston St., San Antonio, TX 78205.

     This information is collected by using the following method(s): Personal information is collected from you at the time an application for a loan or deposit account is submitted to the bank, at the time transactions are conducted through the online banking service, and at the time information is provided by you via e-mail (including the name, e-mail address, and any other information on the e-mail header). The Bank does not use "cookies" to collect and track information about you. Information is collected for the purpose of processing your application, transaction, or request for information. The information will be used for the purposes of meeting your banking needs and requests, and providing services to you in the future. The Bank does not sell or share customer information with any non-affiliated third parties, except certain third party service providers. These entities will be required to execute a confidentiality agreement with the Bank which requires adherence to the Bank's privacy policy and practices. The Bank shares information with affiliated entities as permitted by law, in order to provide you with better services and more options.

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Children Visiting our Web Site

     Our Web site is directed at adult consumers and guests. We do not knowingly collect or use information from children. Should children access our Web sites, we are confident that parents will not judge any of the information provided as objectionable for viewing. If you are under 18, you may use our Web sites only with the involvement of a parent or guardian.

     If you do not want your personal information collected, you may refrain from supplying the information, whether through e-mail or the Bank's online banking service. However, failure to do so may restrict the activities you can perform through Lincoln On-line.

We are taking the following steps to ensure the privacy and accuracy of the information collected from or about you:

     We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

     At Lincoln Bank, employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information. Because of the importance of these issues, all Lincoln Bank employees are responsible for maintaining the confidentiality of customer information and employees who violate these privacy principles will be subject to disciplinary measures.

     Additionally, information you submit via Lincoln On-Line is protected by encryption technology, which scrambles account information to reduce the possibility of access by unauthorized individuals outside the Bank. To further protect your online banking service, the Bank requires the use of an ID and password.

     You may review the information we collect about you and correct any errors in that information by reviewing account statements and any other correspondence from us and notifying us of any inaccurate or outdated information at the address or phone number on your statements.

     Customers who have questions about this Privacy Policy, or the privacy of their customer information, or would like to inform us about the potential misuse of their personal information should call Lincoln Bank at 1-317-839-6539 or 1-888-895-6539; send a letter to the Compliance Officer, Lincoln Bank, PO Box 510, Plainfield, IN 46168; or send an e-mail to bank@lincolnbank.biz. Since some e-mail transmissions may be subject to interception, if your correspondence contains sensitive information (e.g., your account number or social security number) you may want to send a letter via the postal service.

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