Privacy Policy

WHAT DOES BANK OF BOURBONNAIS DO WITH YOUR PERSONAL INFORMATION?

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.

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
• Payment history

• Transaction history
• Credit history
• Overdraft history

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Bank of Bourbonnais chooses to share; and whether you can limit this sharing.

such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

to offer our products and services to you

information about your transactions and experiences

information about your creditworthiness

Please print and submit the following form by mail or drop off at your local branch:

Opt-Out Form

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this
notice. When you are no longer our customer, we continue to share your information as described in
this notice.
However, you can contact us at any time to limit our sharing.

Call 815-933-0570 or go to www.bankofbourbonnais.com

How does Bank of Bourbonnais 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 secured files and buildings.

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does Bank of Bourbonnais collect my personal information?

We collect your personal information, for example, when you

• Open an account
• Use your credit or debit card
• Make deposits or withdrawals from your account

• Provide account information
• 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 your 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. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Bank of Bourbonnais does not share with our affiliates.

Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• Nonaffiliates we share with can include Nations Wealth Management and Financial Services Inc.; Nations Title Company and First Nations Tax Deferred Exchange Corp.

Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

• Bank of Bourbonnais doesn't jointly market.

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For Vermont Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.