Privacy Policy

CUSTOMER PRIVACY POLICY

At Evergreen Bank Group we understand that privacy is an important concern for our customers and we recognize our affirmative and continuing obligation to keep the information you provide to us secure and confidential. Our commitment to keep your financial and personal information private, in accordance with federal privacy regulations, is outlined in the policies and guidelines that follow.

That commitment is the reason why Evergreen Bank Group does not share nonpublic personal customer information with anyone, except as specifically permitted by law and explained in this statement.

This privacy statement applies to all current and former customers of Evergreen Bank Group, unless otherwise indicated, and describes the privacy policies of Evergreen Bank Group and its affiliates.

Accountability

Each and every one of our employees is responsible for maintaining and protecting the personal information to which they have access. We have strict policies and procedures for protecting personal information and designated individuals within Evergreen Bank Group who are responsible for monitoring our compliance.

We are just as committed to protecting the privacy of our former customers as we are our current customers. If you choose to close your account(s) or become an inactive customer, you will continue to be protected by the privacy policies and principles described in this policy.

Identifying Purpose

When you become an Evergreen Bank Group customer, or apply for additional products and services, we ask you for your personal information. Examples of the purposes for which we may collect and use this information include:

• to respond more accurately and efficiently to your requests
• to verify your identity, secure your accounts and protect against fraud
• to understand your financial service requirements
• to determine suitability of products and services for you
• to determine your eligibility for certain products and services or those of others, and offer them to you
• to set up and manage products and services you have requested, and
• to comply with federal and state legal or regulatory requirements

Your personal information may be verified with other parties such as credit bureaus, your employer, and personal references.

Information We Collect

In establishing and maintaining a banking relationship with you, we may collect and use nonpublic personal information about you. We may collect and use nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms, whether completed online or in hard copy, through correspondence and communication in writing and/ or by telephone;
• Information about your transactions with us or our affiliates;
• Information we receive from others, gathered with your permission; and
• Information we receive from credit reporting agencies.

Evergreen Bank Group may request nonpublic personal information from you at the time you apply for one of our banking products, request additional information regarding our products and services or 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 will safeguard the nonpublic personal information you provide, as well as your business activities and transactions information, using established security standards and procedures, and we are continually investigating new technology for safeguarding information. We restrict access to nonpublic personal information about you to those employees who have a business purpose in knowing such information and our employees are trained to comply with our information safeguard principles. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Sharing of Information

We recognize the importance of respecting your privacy and we want to assure you that any nonpublic personal information gathered will be used solely for our business needs. We do not disclose information learned about you except as permitted by law and explained below.

In order to conduct our business and to offer you greater convenience and the widest range of products and services, we are permitted to share information under the following circumstances:

• With credit bureaus and similar organizations;
• In connection with an acquisition or sale of your account to another financial institution;
• When legally required or permitted. For example, we may disclose nonpublic personal information about you in response to a valid subpoena, summons, garnishment or court order, in connection with a fraud investigation, regulatory requirements and to governmental entities such as providing your income statements to the Internal Revenue Service. 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 legally prohibited from doing so.
• With companies that perform services for us, such as check printing, data processing and statement processing companies. These companies perform services on our behalf and are obligated to keep the information about you that we provide to them confidential.
• With companies that perform marketing services on our behalf and with other financial institutions with whom we have joint marketing agreements. For example, we may offer insurance, stock brokerage services and credit card services through arrangements with financial service providers such as insurance companies, securities brokers and credit card issuers to enhance the financial products and services available to you. These companies and institutions must comply with strict confidentiality provisions to assure the protection of your information and assure its use only for permitted purposes.
• With companies affiliated with Evergreen Bank Group. We will only disclose identification, transactional and our experience information, such as name, address, account balance and account history, with our affiliates. We will not disclose externally gathered information such as credit reports or information provided by you on applications or from third parties.
• If you have previously indicated your consent to such disclosure.

Because we already limit the sharing of your nonpublic personal information as outlined above and permitted by law, no action on your part is necessary to limit the sharing of your information.

Accuracy of Personal Information

If for any reason you have a concern that the personal or account information maintained by Evergreen Bank Group is not correct, incomplete or not current, please contact us by:

• Visiting your nearby Bank branch location;
• Calling us at (630) 413-9580
• Sending us an e-mail at help@evergreenbankgroup.com
• Writing us at:

Evergreen Bank Group

1515 W. 22nd St

Oak Brook, Il 60523

Evergreen Bank Group

3842 W. 95th St

Evergreen Park, IL 60805

We will be happy to review and update our records as directed by you.

Additional Information

Federal regulations require us to provide this notice to you on an annual basis. For additional information regarding Evergreen Bank Group's privacy practices and to view the most up-to-date version of our privacy notices please visit our website at: www.EvergreenBankGroup.com and click the privacy link located at the bottom of the page. We reserve the right to change our privacy policies at any time and will send you a revised notice if we do.

Openness

Evergreen Bank Privacy Policy is made available to you online at www.EvergreenBankGroup.com, as well as in our branches as a printed brochure. It is provided annually to every customer. From time to time, we may make changes to this policy and will inform you of changes, as required by law. To view the most up-to-date Privacy Policy, visit our website at www.EvergreenBankGroup.com and click the privacy link located at the bottom of the page.

Thank You

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

INTERNET PRIVACY POLICY

The following Privacy Policy applies to all websites owned and operated by Bancorp Financial, Inc. and Evergreen Bank Group (including its bank branch office in Evergreen Park, IL and its loan production office in Reno, Nevada under the name FreedomRoad Financial) collectively referred to in this Privacy Policy as "Evergreen Bank Group" or "Bank Group."

Disclosure of Privacy Policy to Evergreen Bank Group Customers

As required, all Evergreen Bank Group customers will be notified of our privacy policies via initial and ongoing customer privacy disclosures (Initial and Annual Notices). Evergreen Bank Group's disclosure is also available at all banking center locations. For more information, please contact one of our banking representatives.

Use, Collection and Retention of Customer Information

Evergreen Bank Group collects, retains and uses information about individual customers only where it is allowed by law and where Evergreen Bank Group reasonably believes it is useful in administering Evergreen Bank Group's business and in providing products, services and other opportunities to our customers. Evergreen Bank Group does not sell data divulging any specific information about an individual customer's accounts or transactions. Additionally, Evergreen Bank Group does not have any future plans to change its policy on selling data. In the event that Evergreen Bank Group begins to sell customer data, the customer will be notified and given the opportunity to "opt out," whereupon that customer's personal data will not be sold.

Maintenance of Accurate Information

Evergreen Bank Group has established procedures to ensure that its customers' financial information is accurate, current and complete in accordance with reasonable commercial standards. Evergreen Bank Group will respond in a timely manner to customer requests to correct inaccurate information.

Limiting Employee Access to Information

Evergreen Bank Group limits access to its customers' confidential and private information to employees with legitimate business reasons for knowing such information. Evergreen Bank Group will continue to educate its employees about the importance of confidentiality and customer privacy. Employees will be appropriately disciplined for any failure to comply with Evergreen Bank Group's Privacy Policy.

Protection of Information via Established Security Procedure

Evergreen Bank Group maintains security standards and procedures regarding unauthorized access to customer information.

Sharing of Information within Evergreen Bank Group

Evergreen Bank Group shares information within our family of companies in order to provide our customers with the best possible products and services at reasonable prices, and to prevent fraud and criminal activity. Customer information is not used for sale to third party vendors, without consent from the customer.

Restrictions on the Disclosure of Account Information

Evergreen Bank Group does not reveal specific information about its customers or their transactions to unaffiliated third parties for their independent use, unless the information is provided:

• to help complete a customer-initiated transaction,
• to help administer Evergreen Bank Group's bona fide business,
• at the customer's request,
• to comply with a legal requirement (i.e., subpoena),
• to a reputable information-reporting agency (i.e., credit bureau) or
• after the customer has been informed about the possibility of such disclosure through a prior communication and is given the opportunity to decline (i.e., "opt out").

Maintaining Customer Privacy in Business Relationships

Whenever Evergreen Bank Group does provide specifically identifiable customer information to a third party, Evergreen Bank Group insists through a written agreement that the third party adhere to similar Privacy Policies that provide for keeping such information confidential.

Special Information Applicable to Electronic (Internet) Bank

Evergreen Bank Group's Privacy Policy will apply to customers' confidential and private information with regard to both traditional and non-traditional (i.e., Internet) banking activities. However, due to the unique nature of the Internet and the ease with which information can be exchanged, Evergreen Bank Group feels it is important for customers to be aware of the unique issues surrounding Internet Banking. Messages sent to Evergreen Bank Group by electronic means (i.e., "e-mail") are not secure. Evergreen Bank Group recommends that individuals not send any confidential information to Evergreen Bank Group by e-mail. Individuals accept the risk that this information may be intercepted by a third party.

To better serve legitimate Internet Banking customers:

Evergreen Bank Group requires customers to utilize specific passwords for access to confidential and private information. Evergreen Bank Group reminds customers of their responsibility to safeguard User IDs and passwords. In addition, commercial customers should carefully screen those employees to whom User IDs and passwords are granted. Evergreen Bank Group utilizes encryption, firewall, router, third party verification procedures and other security software and hardware to help prevent unauthorized eavesdropping of and access to customers' confidential and private information. Evergreen Bank Group utilizes virus protection software to help prevent the spread of computer viruses. Evergreen Bank Group utilizes "cookies" to help authenticate its customers' identities and to help facilitate the exchange of information between Evergreen Bank Group's systems and its customers' systems. Evergreen Bank Group reminds all of its customers that links in Evergreen Bank Group's web sites can be found to web sites not under its control. These web sites will not necessarily comply with Evergreen Bank Group's "Privacy Principles" and security standards. Evergreen Bank Group reminds all of its customers that confidential and private information may be compromised in both traditional and non-traditional banking activities. Evergreen Bank Group can only establish policies and procedures to help restrict use of and access to confidential and private information. If any Bank customer believes that confidential and private information has been compromised, please contact Evergreen Bank Group immediately so that the potential breach can be investigated.

Comments or Complaints by Customers

Any comments or complaints about this policy, any privacy-related issue or any inaccuracy in customer data can be made by contacting:

Evergreen Bank Group

1515 W 22nd Street, Suite 100W

Oak Brook, IL 60523

1-888-505-BANK (1-888-505-2265)