Privacy Notice

We understand that privacy is an important concern of our customers. We also recognize our obligation to keep our customers informed about how we will collect and use the information entrusted to us by our customers. We realize our commitment to keep your personal and financial information private. This statement applies to all current and former customers of Community Bank.

Information About Your Account(s) and About You

In establishing and maintaining a banking relationship with you, we collect and use information that you give to us and that is available from credit reports and public records. Community Bank requests personal information from you at the time you apply for one of our banking products; if you request additional information regarding our products and services; or when you enroll in online banking. We use the information you provide to optimize the financial services we offer, to service your existing accounts, to evaluate your creditworthiness, and to prevent fraud.

Keeping Your Information Secure and Confidential

We value your trust and handle your personal information with care. We will safeguard the information you provide us by using established security standards and procedures. We limit employee access to personal information to those employees who have a business purpose in knowing such information. Our employees are trained to deal sensitively with the information that is available about our customers. In addition, we are continually investigating new technology for safeguarding information.

Sharing of Information

We recognize the importance of respecting our customer's privacy, and we want you to know that any non-public personal information gathered by us will be used solely for our own business needs. We will not disclose (sell, share or divulge) information learned about you to non-affiliated third parties unless we notify you in advance. If you advise us that you do not wish us to do so, we will not share information (see below). In order to conduct our business, information may be exchanged, without prior notice, as follows:

• With credit bureaus and similar organizations;
  
• In the event of a sale of your account to another financial institution;
  
• If you have previously indicated your consent to such disclosure; or
  
• When legally required or permitted (valid subpoena or fraud investigation).

If we receive a subpoena or similar legal proceeding requiring release of any information about you, we will attempt to notify you, unless we believe we are prohibited from doing so.

In order to offer you convenience and service, we may share information with companies that perform services for us, such as check printing and data processing companies. These companies provide us with certain products and services or may assist us in processing transactions for your accounts. These companies perform services on our behalf and are obligated to keep the information about you that we provide to them confidential. We may share information with these companies as permitted by law and/or as necessary to administer your accounts with us. We do so only for the purpose of providing you with better service.

Community Bank does not share any customer information with third party marketers.

Your choices regarding disclosure of personal information

We offer you options regarding how you learn about new offers, products and services. You can choose not to receive any new product or service offers made by mail, telephone or e-mail. You may choose not to have information from an application or outside source, such as a credit report, shared with any affiliates we may have now or in the future. You may also choose not to have information shared with non-affiliated third parties. This option is called a non-disclosure option. To tell us your preferences regarding disclosure of personal information or to exercise your non-disclosure option you can contact us by:

• Visiting your nearby bank location at 1001 Lake St, Oak Park;
  
• Calling us at 708.660.1000 or 888.OPRFBANK;
  
• Sending us an e-mail to bank@cboprf.com; or
  
• Writing to us at:

Community Bank of Oak Park River Forest
1001 Lake Street
Oak Park, IL 60301
Attention: Privacy

Accuracy of Personal Information

If for any reason you have a concern that your personal or account information maintained by Community Bank is not correct, incomplete or not current, please call us at 708.660.1000 or 888.OPRFBANK or write to us. We will review and update our records as appropriate. You may also obtain information about you that we have collected, including the status of any applications filed or the history of your account transactions.

WEBSITE/ON-LINE PRIVACY GUIDELINES

Community Bank is also committed to keep the information you provide to us on our website secure and confidential. Specifically, you may be concerned about what information is being collected, how it is being collected and how it is used. Our goal is to protect your information on our web site in the same way that we protect it in all the other ways we interact with you.

Community Bank gathers information about web site visitors to improve the information provided and the types of services offered on-line. There are two forms of data that we collect. The first is site visitor data and the second is personal information voluntarily provided to us by you.

• Site Visitor Data

  Community Bank will gather data on web site activity, such as how many people have visited the web site, how long they stay on the site and which web pages they visit. When you browse the public sections of our web site, no account or personal information is obtained. Visitor data is collected on an aggregate, anonymous basis.

• Personal Information

  Community Bank will collect personal information from you when you apply for on-line banking, apply for one of our products on-line or attempt to access your account(s) with us online.

  What You Can Do To Protect Your Account Information

  While Community Bank works to protect your banking privacy, you should also play an important role in protecting your accounts. There are a number of steps you can take to ensure that your online banking account information is protected:

  1. Don't reveal your User ID or Password to anyone else. Your User ID and Password are designed to protect your banking information, but they will only work if you keep them to yourself.
  2. Do change your online banking password frequently.
  3. Don't walk away from your computer if you are in the middle of an online banking session.
  4. Once you have finished your online banking session, sign off before visiting other Internet sites.
  5. You must protect your own computer from the introduction of viruses or hackers who may gain access to it.
  6. Do not have your password saved by ©Windows or your browser on your computer.
  7. Protect your own computer by running virus protection software and a personal firewall.

Security Concerns About Providing Personal Information Online

Community Bank recognizes that you may have concerns about the security of your personally identifiable information in making an application or requesting additional information online. If you are not comfortable providing such information through our web site, you can call us at 708.660.1000 or you may print the application screen and mail it to us at:

Community Bank of Oak Park River Forest
1001 Lake Street
Oak Park, IL 60301
Attention: Personal Banking

Security Concerns About Accessing Your Online Account

Community Bank is committed to making your online banking experience safe and secure. We have taken several measures to ensure your privacy including:

1. Information Encryption We use sophisticated encryption technology to ensure that your private information cannot be intercepted. Encryption is a way to rewrite data in a code, which can be decoded later with the right "key" (formula). When you request information about your accounts, the request is sent encrypted to the bank. We decode your request and send the requested information back to you in an encrypted format. When you receive the information, it is decoded so that you can read it.

2. Unique ID & PASSWORD

   In order to access Community Bank's online Banking, you must enter a unique User ID and Password.

3. Automatic Log-off

   If you are logged on to online Banking but do not perform any activity for a number of minutes, you will not be able to proceed until you "re-log" on to the system.

4. Other Security Measures

   In addition to the above safeguards, we have sophisticated firewalls and an authentication process to ensure that only authorized individuals are allowed to enter our system.

What You Can Do To Protect Your Account Information

While Community Bank works to protect your banking privacy, you should also play an important role in protecting your accounts. There are a number of steps you can take to ensure that your online banking account information is protected:

1. Don't reveal your User ID or Password to anyone else. Your User ID and Password are designed to protect your banking information, but they will only work if you keep them to yourself.
2. Do change your online banking password frequently.
3. Don't walk away from your computer if you are in the middle of an online banking session.
4. Once you have finished your online banking session, sign off before visiting other Internet sites.
5. You must protect your own computer from the introduction of viruses or hackers who may gain access to it.
6. Do not have your password saved by ©Windows or your browser on your computer.
7. Protect your own computer by running virus protection software and a personal firewall.

If you notice any suspicious or unusual activity related to any of your accounts, contact us immediately at 708.660.1000.

Thank You

Your business is very important to us at Community Bank and we do our best to ensure your complete satisfaction. You can trust our commitment to your privacy and we will continue to keep you informed regarding how we protect your privacy.