Rev. 12/15/2009

FACTS

WHAT DOES PIONEER BANK & TRUST DO WITH YOUR PERSONAL INFORMATION?

Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: § Social Security number § Account balances § Transaction history § Overdraft history § Employment information When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customer's personal information to run their everyday business. In the section below, we list reasons financial companies can share their customer's personal information; the reasons Pioneer Bank & Trust chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Pioneer Bank & Trust share?	Can you limit this sharing?
For our everyday business purposes -- Such as to process your transaction, maintain Your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes -- To offer our products and services to you	Yes	No
For Joint marketing with other financial companies	Yes	No
For our affiliates' everyday business purposes -- Information about your transactions and experiences	No	We don't share
For our affiliates' everyday business purposes -- Information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For nonaffiliates to market to you	No	We don't share

Questions?

Call (605) 717-2265 or go to www.pioneerbankandtrust.com

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What we do
How does Pioneer Bank & Trust protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secure files and buildings.
How does Pioneer Bank & Trust collect my personal information?	We collect your personal information, for example, when you § open an account § apply for a loan § make deposits or withdrawals from your account § tell us about your investment or retirement portfolio § show your driver's license We also collect your personal information from others such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only § sharing for affiliates' everyday business purposes -- information about you creditworthiness § affiliates from using your information to market to you § sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Pioneer Bank & Trust has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Pioneer Bank & Trust does not share with nonaffiliated so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include § Securities broker/dealer § Insurance agents § Mortgage Bankers § Credit Card Processors

Other important information

Your privacy is important to us at Pioneer Bank & Trust. We want our customers to understand what information we collect and how we use it. At Pioneer Bank & Trust, we believe the protection of your privacy is one of the most important responsibilities we have.