Privacy Policy

Introduction
Community Bank CBD is committed to protecting the privacy of our customers. We recognize our customer’s expectation that information provided to us by our customers or obtained by us about our customers will be safeguarded by us. Keeping your information confidential and secure is an important part of our responsibility to you. It is our commitment to protect our customers who entrust us with their most personal information so that we can provide you, the customer, with the services you require.
This notice is intended to describe how we collect, maintain and disclose customer information. This notice may be amended from time to time at our discretion with appropriate notice to you. If you have any questions, comments or complaints about the privacy of information about you, please contact us at Community Bank CBD, 820 E. Geneva St., P.O. Box 648, Delavan, WI 53115, or call us at 262-728-2265.
In order to provide our customers with a broad range of financial products and services we may disclose non-public personal information to other financial institutions with whom we have a joint marketing agreement. This provides us the opportunity to evaluate your complete relationship with us so that we can provide to you the most favorable pricing as well as the products and services that best meet your needs. Being a locally owned community bank we value you as a customer and strive to provide you with quality service.

Understanding The Terminology Used In This Notice
Throughout this notice we may use terms unfamiliar to you. Below are a few definitions that will help you better understand the contents of this notice.

• We, Our, Us - Refers to Community Bank CBD and its affiliates.
  

• You, Your, Customer - Refers to an individual who obtains or has obtained a financial product or service from us that is to be used primarily of personal, family, or household purposes, or that individual’s legal representative, such as a deposit account, loan, safe deposit box, or Individual Retirement Account.
  

• Non-Public Personal Information - Refers to information collected as a result of providing a financial product or service to you. Non-public personal information does not include information that is available from public sources, such as telephone directories or government records.
  

• Affiliates - Includes companies related to Community Bank CBD through common control or ownership.
  

• Non-affiliated third parties - A company that is not affiliated with Community Bank CBD, but with whom we may have a special arrangement or joint marketing agreement.

Non-Public Personal Information We Collect
We collect non-public 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

Disclosure to Non-Affiliated Third Parties
We may disclose the following non-public personal information about you to a non-affiliated third party with whom we have a joint marketing agreement such as an Investment Brokerage Firm, as follows:

• Non-public personal information we receive from you on an application or other forms, such as name, address and Social Security Number;
• Information about your transactions with us.
• We may also disclose non-public personal information about you to other non-affiliated third parties as permitted by law.

Disclosure of Former Customers
When you no longer have a continuing relationship with us, that is, when you do not have any active products or services with us, we discontinue sharing information about you according to this notice.

Protecting Children On-Line
Community Bank CBD feels it is extremely important to guard the identity and privacy of children, and we encourage parents to supervise their children's interactions online.  We do not intentionally market to or solicit personal information from children under the age of 13.  In the event that we receive personal information from a child whom we know to be under 13, we will only use that information to respond directly to that child or seek parental consent.

Protecting Your Privacy and Confidentiality
Protecting your non-public personal information is a function of our job we take seriously. We restrict access to your personal account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with Federal standards to guard your non-public personal information.

Understanding Your Choice About Information Sharing
You have the choice regarding whether or not you would like your personal non-public information shared with Community Bank CBD affiliates and non-affiliated third parties except under those circumstances permitted by law.  You may notify us of your decision at any point in time.  This is referred to as "opting out".  By opting out, you will be excluded from receiving information regarding beneficial products and services, discounts and other financial services for which you may be eligible.

Please note if you have a joint account and decide to opt out, it will apply to all participants named on the account. If you have provided an opt out notice in the past, we will continue to honor that request.  You do not have to provide us with another opt out notice.

To opt out, please send your request in writing to:
Community Bank CBD
Attn:  Teresa Fry / Opt Out
PO Box 648
Delavan, WI  53115

This notification is designed to comply with the privacy provisions in Title V of the Gramm-Leach-Bliley Act, including applicable federal privacy regulations issued as part of the Act. You and your privacy are important to us. We hope this information has been helpful in understanding the steps we take to safeguard your personal information.  Please feel free to contact us if you have any questions, comments or complaints about privacy of your information to the address stated above.