FARMERS CAPITAL BANK CORPORATION
PRIVACY NOTICE

Farmers Capital Bank Corporation, on behalf of itself and its bank and non-bank subsidiaries (listed below and hereinafter collectively referred to as "The Corporation" or "We"), hereby adopts the following Privacy Notice:

Recognition of a Customer's Expectation of Privacy

We understand and respect the privacy expectations of our customers and recognize our obligation to keep information about them secure and confidential.  It's important to know that, unlike many other financial institutions, we have never, nor do we intend to sell customer information. The Corporation will continue to maintain standards to ensure that customer information is private and secure at all times. 

Use, Collection and Retention of Customer Information

We will collect, retain and use information about our customers only when we reasonably believe it would be useful (and allowed by law) to administer The Corporation's business and/or to offer or provide products, services and other opportunities to its current or prospective customers.  We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

Information We Collect and How We Obtain It

We collect nonpublic personal information from the following sources:

• Information provided to us on applications, signature cards, or other forms: such as name, address, social security number and income.

• Information concerning transactions with us or others: such as account balance and payment history.

• Information we receive from consumer reporting agencies or others, such as creditworthiness and credit history.

Maintenance of Accurate Information

The Corporation has established procedures to ensure that to the extent practicable, all customer information is accurate, current and complete in accordance with reasonable commercial standards and applicable law  We will respond to legitimate requests to correct inaccurate information in a timely manner and in accordance with applicable law.

Limitation on Employee Access to Customer Information

We will limit employee access to personally identifiable information to those with a business reason for knowing such information.  Employees are also educated so that they understand the importance of confidentiality and customer privacy.  Employees are responsible for maintaining the confidentiality of customer information and we will take appropriate disciplinary measures to enforce employee privacy responsibilities. 

Protection of Customer Information
via Established Security Procedures

The Corporation maintains appropriate security standards and procedures concerning unauthorized access to customer information as required by prudent business practices, corporate policy and applicable laws and regulations.

Disclosure of Customer Information to Affiliates and Nonaffiliated Third Parties

We may disclose nonpublic personal customer information, such as name and address to nonaffiliated third parties who perform joint marketing of financial products such as insurance.  We may also disclose nonpublic personal customer information to affiliated companies within The Corporation, when:

• the customer requests that we do so;
• the information is provided to help complete a customer- initiated transaction;

In addition, we may disclose nonpublic personal customer information when the disclosure is allowed or required by applicable law (e.g., a subpoena, fraud investigation, etc.). 

Farmers Capital Bank Corporation

The following is a list as of February 4, 2008, of the Farmers Capital Bank Corporation subsidiaries to which this Privacy Notice applies:

Farmers Capital Bank Corporation
P. O. Box 309
Frankfort, KY  40602-0309
(502) 227-1668

Capital Insurance Group
P. O. Box 309
Frankfort, KY  40602-0309
(502) 227-1600

FCB Services, Inc.
P. O. Box 309
Frankfort, KY  40602-0309
(502) 227-1602

Leasing One Corporation
P. O. Box 309
Frankfort, KY  40602-0309
(502) 227-1642

Farmers Title Company
P. O. Box 309
Frankfort, KY  40602-0309
(502) 227-1600

Farmers Bank & Capital Trust Co.
P. O. Box 309
Frankfort, KY  40602-0309
(502) 227-1600

LNB
Harrodsburg – Lawrenceburg – Danville
P. O. Box 80
Lawrenceburg, KY 40342-0080
(502) 839-2600

First Citizens Bank
Shepherdsville – Elizabethtown – Radcliff – Mt. Washington
P. O. Box 1630
Elizabethtown, KY 42702-1630
(270) 769-2301

Farmers Bank and Trust Company
Georgetown – Stamping Ground – Lexington
P. O. Box 610
Georgetown, KY 40324-0610
(502) 863-2393

United Bank & Trust Co.
Versailles – Midway
P. O. Box 89
Versailles, KY 40383-0089
(859) 873-3136

Citizens Bank of Northern Kentucky
Newport – Alexandria – Bellevue – Ft. Thomas – Highland Heights – Florence – Independence – Crestview Hills
103 Churchill Drive
Newport, KY 41071
(859) 572-2660

Citizens Bank of Jessamine County
Nicholasville – Wilmore
201 North Main Street
Nicholasville, KY 40356
(859) 885-0900