We recognize your right to privacy at Bank of Forest. We recognize that you have a right to expect your personal financial information to remain private and secure. We believe your privacy should not be compromised, and we maintain standards to insure that your information is private and secure at all times. At the same time, we want to offer you a wide array of financial products and services. We believe we can do both through the privacy policy outlined below.

We first need to define some terms.

Nonpublic personal information is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history. Non-public personal information does not include information that is available from public sources, such as telephone directories or government records.

Consumer customers are customers who have a continuing relationship used for personal, family or household purposes. We may refer to consumer customers as "you" or "your".

A continuing relationship with us might include but is not limited to any of the following:

• Deposit account
• Loan account
• Safe deposit box
• Credit Card
• Self-directed Individual Retirement Account where we act as custodian

or trustee

We , our and us refers to Bank of Forest.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.

What Information We Collect

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from a consumer reporting agency.

What Information We Disclose

We are permitted under law to share information about our experiences or transactions with you or your account (such as your account balance and your payment history with us) with companies related to us by common control or ownership ("affiliates").

We may disclose any or all the information we collect as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We require such companies to adhere to similar privacy standards and safeguards.

We do not disclose any nonpublic personal information about you to any other nonaffiliated third parties, except as permitted by law.

If you decide to close your accounts or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.

Our Security Procedures That Protect Customer Information

We protect our customers' privacy by restricting access to personal and account information to those employees who need to know that information to provide products or services. We use technology to manage and maintain customer information more effectively so that we may offer various financial products and services to our customers. We also maintain physical, electronic, and procedural safeguards that comply with federal standards to guard all our customers' nonpublic personal information.