Community First Bank for loans, mortgages, savings and investments in Fairview Heights, Swansea, Belleville, O'Fallon, Shiloh and the Metro-East area
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Policies and Disclosures

Privacy Protection Policy Notice

At Community First Bank, we understand the importance of protecting customers privacy in establishing and preserving a long-term relationship with our customers. We understand that due to the rapid movement of information in today's technologically advanced world, the need to protect personal privacy has become even more imperative to all of us. In order to keep our customers informed of our privacy policies and to reaffirm our continued commitment to respecting our customers' privacy, we have adopted this Privacy Protection Policy Notice.

This notice is applicable to the consumer customers of our Bank. It is provided for informational purposes to all consumer customers as required under federal privacy law. This is not a notice of any changes to our existing privacy policies. No action is required on your part, other than to have been notified of our privacy policies. The confidentiality of your nonpublic personal information will continue to be maintained in accordance with this notice even if in the future you decide to close your accounts with us or you become an inactive customer. As used in this notice, the terms "you" and "customer(s)" mean all of our consumer customers who have a continuing relationship with us such as a deposit account, loan, safe deposit box or IRA account where we serve as your custodian.

We hope that this notice will assist you in understanding how we handle customer information and the measures we take to protect your nonpublic personal information. If you have any questions regarding this notice or have any concerns regarding your privacy, please feel free to call us at 618-234-9500.

We appreciate your business and will continue to honor the trust you have placed in us. Thank you for choosing Community First Bank as your financial institution.

Contact Us
Community First Bank

4600 North Illinois Street • Fairview Heights, IL 62208
Corner of Route 159 & Frank Scott Parkway
Phone (618) 234-9500          Fax (618) 234-9585
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1.  WHAT INFORMATION WE COLLECT

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

As used in this notice, the term "nonpublic personal information" means any personally identifiable financial information about you that is not publicly available that we obtain in connection with providing a financial product or service to you. (For example, it may include information such as your social security number, account balance, payment history or assets.)

2.  WHAT INFORMATION WE DISCLOSE TO THIRD PARTIES

We do not disclose any nonpublic personal information about our customers, former customers or any other individuals or entities to anyone, except as permitted or required by law. (For example, we are permitted to disclose nonpublic personal information about you to nonaffiliated third parties retained to assist us in servicing your loans or deposit accounts, to government entities in response to subpoenas and to credit reporting agencies.)

3.  WHAT INFORMATION WE DISCLOSE TO OUR MARKETING SERVICE PROVIDERS OR JOINT      MARKETING PARTNERS

As permitted by law, we may disclose all of the information that we collect, as described in section 1 of this notice, to certain other nonaffiliated third parties, such as insurance providers with whom we have joint marketing agreements. In addition, in order to provide you with the best products and services available, we may also disclose such information about you to advertising agencies or other market research companies that we may retain to provide marketing services on our behalf. However, we will not sell or otherwise disclose such information about you to any of these entities for their independent use.

4.  OUR SECURITY PROCEDURES FOR PROTECTING CUSTOMER INFORMATION

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical and procedural safeguards that comply with federal and state banking standards to guard your nonpublic personal information.

This notice is effective as of the date printed below. Please note that the examples used in this notice, such as, but not limited to, the type of information we collect and disclose are provided for illustrative purposes and are not intended to be exclusive. We reserve the right to change our privacy policies at any time subject to any prior notice required under applicable law.

Member FDIC                                                                                                                              January 2010

Community First Bank provides banking services for Fairview Heights, Swansea, Belleville, O'Fallon, Shiloh and the Metro-East St. Louis area. Personal services include checking, CDs, savings & investments and loans. Business services include checking, CDs, loans and other business services. We also offer online banking. Other services include the CFB Debit/ATM Card, safe deposit boxes, telephone banking and credit card services. See our rates for interest bearing accounts.
Community First Bank will NEVER ask you to verify your account information online, nor will we request this information through email. Community First Bank will not ask you to supply any account information or personal information by phone or email. Any official requests for sensitive information will be written on bank letterhead. If you are in doubt regarding the validity of a request for information, please feel free to contact the bank directly for confirmation. If you think you are a victim of identity theft or if you are solicited for information, please contact the bank immediately at (618) 234-9500.