Privacy Policy

STATEMENT ON THE PRIVACY OF CUSTOMERS INFORMATION

Community First Bank, N.A. collects, retains, and uses information about individual customers only when we believe it would be useful (and allowed by law) in administering our business and to provide products, services, and other opportunities to customers. This information is obtained from application information, transaction information, and consumer report information.

We must disclose certain nonpublic personal information about our customers to non-affiliated third parties who provide services on our behalf, such as the company that creates our loan coupon books. Although this disclosure is not subject to the opt out option, we do require that the servicer maintains the confidentiality of the information to at least the same extent that we must maintain and will not use or further disclose the information for any other purpose.

The CFB Mobile App may collect personal information from you or your financial institution, such as your first and last name, address, e-mail, User IDs, telephone number, and social security number when you create an account and use the CFB Mobile App. This information could include your address or contacts where you choose to make them available (e.g. to make P2P (peer to peer) payments using Zelle or other payments functionality). We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history. This policy covers user privacy, including the usage of location data within the CFB Mobile App.

Community First Bank, N.A. is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards. Additionally, each bank employee is required to follow our bank's code of conduct, which states that all customer information is considered private and privileged and is to be used by them solely for the purpose of providing you with our services.

Community First Bank, N.A. will never request confidential information through email . If you should receive such a request, please contact Community First Bank, N.A. immediately.

Updated 10/20

Facts	WHAT DOES COMMUNITY FIRST BANK, N.A. DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security number
Overdraft history
Payment history
Credit card or other debt
Credit history
Wire transfer instructions

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Community First Bank, N.A. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	DOES COMMUNITY FIRST BANK, N.A. SHARE?	Can you limit this sharing?
For our everyday business purposes- such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes- to offer our products and services to you	No	We don't share
For joint marketing with other financial companies	No	We don't share
For our affiliates’ everyday business purposes- information about your transactions and experiences	No	We don't share
For our affiliates’ everyday business purposes- information about your creditworthiness	No	We don't share
For non-affiliates to market to you	No	We don't share

Questions?	Call us at 419-273-2595

What we do

How does Community First Bank, N.A. protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Community First Bank, N.A. collect my personal information?

We collect your personal information, for example, when you:

Open an account
Give us your wage statements
Apply for a loan
Show your drivers' license
Provide account information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

sharing for affiliates’ everyday business purposes – information about your creditworthiness
affiliates from using your information to market to you
sharing for nonaffiliates to market to you

State law and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

Community First Bank, N.A. has no affiliates.

Nonaffiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

Community First Bank, N.A. does not share with non-affiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Community First Bank, N.A. doesn't jointly market.