O.A.K. Financial Corporation
2445 -- 84th Street SW ● Byron Center, MI  49315 ●  800-747-5004

ANNUAL PRIVACY DISCLOSURE

OAK Financial Corporation’s family of affiliates includes Byron Bank and its subsidiaries; Byron Investment Services, Inc. and Byron Insurance Agency, Inc.

The following disclosure applies to information sharing subject to the Gramm-Leach-Bliley (Financial Services Modernization) Act of 1999, as implemented by Federal Reserve Regulation P and the federal Fair Credit Reporting Act. It applies only to information held in relation to products or services we provide you primarily for personal, family, or household purposes. It applies to both current and former customers.

INFORMATION WE COLLECT ABOUT YOU
We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications and other forms, such as your name, address, social security number, assets and income.
• Information about your transactions with our affiliates, others, or us, such as your account balance, payment history or parties to transactions.
• Information we receive from consumer reporting agencies, such as your creditworthiness and credit history.

DISCLOSURE TO NONAFFILIATED THIRD PARTIES
Except as stated below, we do not disclose nonpublic personal information to nonaffiliated third parties except as permitted by law.

We may disclose all of the information that we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

CONFIDENTIALITY AND SECURITY
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, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

DISCLOSURE TO OUR AFFILIATES
We may disclose, unless you tell us not to, the following kinds of nonpublic personal information about you to our affiliates.

• Information we receive from you on applications or other forms, such as your name, address, social security number and home telephone number;
• Information about your transactions with us, our affiliates, or others such as your account balance, payment history and parties to transactions.
• Information we receive from a consumer reporting agency such as your creditworthiness and credit history.
• Information we obtain to verify representations made by you, such as your open lines of credit.
• Information we obtain from a person regarding its employment, credit, or other relationship with you, such as your employment history.

We may disclose nonpublic personal information about you to the following types of affiliated third parties.

• Financial service providers within our affiliate family, including a bank, an insurance agency and a securities broker-dealer.

How To Tell Us Not To Share Certain Information With Our Affiliates
If you prefer that we not share this information with our affiliates, you may direct us not to share this information by calling our Customer Care Team at (800) 747-5004 or mailing a written request to the following address:
Byron Bank  2445 84th Street SW  Byron Center, MI  49315

Note:  Your direction in this paragraph covers information about you other than information solely as to transactions or experience between you and us.  That information may still be shared with our affiliates as permitted by law.  If you have any questions about our privacy policy, please contact your nearest branch, or our Customer Care Team at (800) 747-5004.

October 2009