RESPECT OF RIGHT TO PRIVACY

At Oak Bank, the basis of each client relationship is trust.  You have chosen to do business with us and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us.  We believe that your privacy should not be compromised.  This Privacy Policy covers Oak Bank's procedure and purpose for collecting non-public information on our clients.  It also covers the bank's philosophy on the release of this information.  Oak Bank's Client Information Security Policy covers the specific steps that are being taken to safeguard the incorrect release of any client information. 

ASSOCIATES

Each associate of Oak Bank is asked to sign a confidentiality agreement on his or her first day of employment with Oak Bank and again at least annually thereafter.  This agreement codifies the associate's understanding that client business cannot be discussed with any person, including a spouse, outside the Bank and that information of a confidential nature can only be disclosed to those of the bank's staff who are known to be authorized to receive it.  Associates are further reminded that conversations relating to the business of the Bank or its clients in a group setting, social meetings, or public places are prohibited.

Any associate revealing confidential information is subject to immediate dismissal without warning.

COLLECTION AND USE OF PERSONAL INFORMATION

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.

We limit the use and collection of information about our clients to that which is necessary to administer our business, provide superior service, and offer opportunities that we think will benefit our clients.

MAINTENANCE OF ACCURATE INFORMATION

We continually strive to maintain complete and accurate information about you and your accounts.  Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us.  We will investigate your concerns and correct any inaccuracies. 

TRAINING

At least annually, associates of Oak Bank will be retrained concerning their responsibility to safeguard client account information per the guidelines established in Oak Bank's Client Information Security Policy.

LIMITATIONS ON ASSOCIATE ACCESS TO INFORMATION

We restrict access to nonpublic personal information about you to "those associates who need to know that information to provide products or services to you".  Associates are educated on the importance of maintaining the confidentiality of client information and on theses Privacy Policies.  Because of the importance of these issues, all Oak Bank associates are responsible for maintaining the confidentiality of client information and associates who violate these Privacy Principles will be subject to disciplinary measures.

PROVIDING CLIENT INFORMATION TO THIRD PARTIES

Under no circumstance will Oak Bank sell client account or demographic information to a non-affiliated third party.

Under no circumstance will Oak Bank provide client account information to a non-affiliated third party without written authorization or verifiable verbal authorization from the bank's client or as required by law.

USE OF MEDICAL INFORMATION

We do not share medical or health information about you with any outside party.  Any medical or health information you furnish Oak Bank is used only for the purpose of processing transactions or to provide services that you have requested or initiated.

If you have questions regarding this privacy notice, we invite you to contact us using one of the following options:

• Call us at: 608-441-6000 or 1-877-OAKBANK

• E-mail us at: bank@oakbankonline.com

• Visit or mail us at:  5951 McKee Rd, Suite 100
                              Fitchburg, WI 53719