NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Baylake Bank.

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

• Our consumer customers who have a
  continuing relationship by purchasing or holding
  financial products or services such as a(n):

• Deposit account

• Loan account

• Safe deposit box

• Self-directed Individual Retirement Account

• Financial, investment, or economic advisory
  services

• Mortgage brokerage services

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or
service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

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 person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

• Information you give us on applications or other forms

• Information about your transactions with us

• Information about your transactions with other parties
• Information from a consumer reporting agency
• Information we receive through our Customer Identification Program

THE CONFIDENTIALITY, SECURITY, AND
INTEGRITY OF YOUR INFORMATION

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. This might include disclosures necessary to service your account, perform joint marketing or prevent unauthorized transactions.

INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

AUTHORIZED SHARING - JOINT MARKETING

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

• Information you give us on an application or
  other forms, such as:
  • Name
  • Address

We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.

Types of Businesses
We may disclose information pursuant to joint marketing agreements to the following types of businesses:

• Financial service providers, such as:
  • Securities broker-dealers

Reasons For Disclosing
We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and
services.

YOUR INFORMATION AND AFFILIATES -
FUTURE CHANGES

In the future, we may disclose information about you to affiliates, even though we are not doing so now.

Here are the kinds of information we may disclose to our affiliates:

Transaction and experience information from our account records:

• Information about your transactions and experience with us, such as: 

  • Name

  • Address

  • Account balances

  • Types of accounts

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information. 

Types Of Affiliates We may disclose information about you in the future to the following types of affiliates:

• Financial service providers, such as:
  • Securities broker-dealers
  • Insurance agents 

Reasons For Disclosure

We may disclose information about you in the future to our affiliates:

• to provide you with information about additional products and services
• to evaluate our total relationship with you and our family of companies and give you the best price that relationship deserves. 

BAYLAKE BANK’S INTERNET PRIVACY PRACTICES

At Baylake Bank, we recognize that the privacy and security of personal financial information are an important concern to our customers. Your privacy is considered in all aspects of our business. Our employees are trained about their responsibility to protect confidential customer information. We have taken care to establish detailed practices and procedures to protect your nonpublic personal information.

Baylake Bank receives and retains information about its customers through many sources. However, we carefully limit the collection and use of this information solely to maintain and deliver our banking products and services and offer new products and services that may be of benefit to our customers. Baylake Bank is committed to protect the confidentiality of customer information by fully complying with all federal and state laws and regulations, such as the Fair Credit Reporting Act and the Right to Financial Privacy Act.

Confidentiality of eBanc information. In connection with your use of eBanc, Baylake Bank continues to monitor and review the privacy measures that it has in place to protect your customer information. Baylake Bank has implemented procedures that are designed to protect your nonpublic personal information as carefully as possible. These measures will continue to be updated to keep pace with new technology and additional products and services offered to our customers.

Privacy concerns about children. In order to protect the privacy of children, we will not knowingly solicit any on-line information from children and will not market to children over our eBanc website. We recognize that protecting children’s identities and privacy online is important and that the responsibility for doing so rests with our industry as well as with parents.

Concerns about your privacy. We use the same standards of care for your Internet activity as we do for your transactions with us made in person or through other forms of communication. If you have questions at any time about the privacy of your personal and account information, we urge you to contact us now or during any banking business day by calling us at 920-743-5551.  We will answer your questions and take any actions necessary to assist you in maintaining the confidentiality of your personal and account information related to your use of eBanc.

User ID and password. Baylake Bank has established a User ID and password to assure the privacy of all of the information available to you at eBanc. Your password is solely for your personal use and prevents others from having access to your personal and confidential information available to you on this site. We also allow you to change your password at any time and encourage you to periodically change your password in order to help ensure the privacy of all information available on this site.

Baylake Bank Security Policy. The security of our Baylake Bank eBanc Internet site is handled in several ways. First, we control the security of our customer information as it is sent from the customer's PC to the Web server and then to our bank. Second, we protect the security of the environment of our Internet banking server and customer information database. Third, we implement special security measures to prevent unauthorized users from attempting to access customer information through the online banking section of our eBanc Web site. Please review our Security Policy for detailed information about our security procedures.