The Foster Bank recognizes that customer information is confidential and personal. Our management team takes specific steps to ensure that the privacy of information about you and your account is protected. As an organization in the financial services industry, we recognize that privacy is critical and that sensitivity to protecting information is continually growing with the expansion of electronic commerce. You may count on us to protect your information with a high level of security and appropriate discretion.

The Board of Directors of Foster Bank has adopted specific personal data protection principles which detail our institution's handling of personal information. These are as follows:

   If we collect information about you from someone else, we will make sure you know we have done so,
        as soon as and whenever possible.
   We will only collect information that is necessary for performing bank business on your behalf.
   When and where practical, we will collect personal information directly from you.
   We shall only use or disclose information about you that is consistent with your directions and
        expectations, or is in the public interest (general banking loan and/or account relationship(s) and your
        performance per pre-agreed upon terms and/or conditions).
   We will ensure that information about you is accurate when we collect or use it, to the best of our capabilities.
   We will keep information secure.
   Whenever possible, we will provide you with opportunities to see the personal information we hold
        for you and furthermore, we will explain what we do with it, and correct it if it is wrong.
   We will be open with you about what kinds of personal information we hold and what we do with it.

The Board of Directors, management, and staff of Foster Bank place a high priority on the confidentiality of customer information. It is our intent to protect information provided by you as our customer! The following statement of practices has been drafted, reviewed, discussed, and adopted by the Board of Directors. Each member of our management team has reviewed, discussed, and analyzed the implementation of these practices with respect to their areas of assigned responsibility. Furthermore, staff and management have signed a statement of acknowledgment of these principles and pledge to uphold these standards in conducting their daily activities and working with customer information.

   We acknowledge that our bank collects, retains, and utilizes information about its customers where management deems it useful (and permitted by law) to further our business efforts. Information about our customers, for example, assists our staff in developing new or enhancing existing products and services, and thereafter offering them to our customers.

   Foster Bank has established in-depth security standards and procedures to guard and protect customer information against unauthorized access. These controls and procedures are periodically reviewed and tested to ensure these practices or processes serve our primary mission to protect confidential information. Furthermore, management and staff are able to access personal confidential customer information only if and when they have a business reason.

   On certain occasions, customer information may be provided to a third party that has an appropriate reason to request such information. The third party receiving such information must adhere to the privacy principles that cover such information regarding confidentiality. Information disclosures to an independent third party regarding personal, confidential information, or other personally identifiable data for that entity's specific usage is not allowed except where the exchange occurs with a reputable information reporting agency. Information exchanges with reporting agencies are deemed important to maximize the accuracy and detail of information reported. Information is provided as detailed in the following specific situations:

• Customer requests it.
• Per request of customer, data are provided to help complete a customer-approved transaction.
• Disclosure is required by law.
• Customer has been informed, and has had the opportunity to approve/decline in prior written communication, the possibility of disclosure of information for marketing or similar purposes.

If at any time you have a concern about your information security, you may contact us through e-mail at customerservice@fosterbank.com, call our institution at 1-773-588-7700, fax our customer service department at
1-773-588 -7705, or write us at Foster Bank, Information Privacy, 5225 N. Kedzie Ave, Chicago, IL 60625.