Privacy Policy

Rev. October 2025

FACTS	WHAT DOES OLD SECOND NATIONAL BANK 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 and payment history Account balances and transaction history Checking account information and overdraft history credit history and credit scores 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 Old Second National Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Old Second National Bank 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	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates' everyday business purposes - information about your transactions and experiences	Yes	No
For our affiliates' everyday business purposes - information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For nonaffiliates to market to you	Yes	Yes

To limit our sharing
Call 1-877-866-0202 or visit us online at https://www.oldsecond.com/privacypolicyoptout Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?	Call toll free 1-877-866-0202 or go to www.oldsecond.com

Who We Are
Who is providing this notice?	Old Second Bancorp, Inc. Old Second National Bank, including its FreedomRoad Financial and Performance Finance divisions River Street Advisors, LLC
What We Do
How does Old Second National Bank 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 Old Second National Bank collect my personal information?	We collect your personal information, for example, when you open an account or deposit money apply for a loan or make deposits or withdrawals from your account use your credit or debit card 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 laws and individual companies may give you additional rights to limit sharing. (see below for more on your rights under state law)
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.
Definitions
Affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include the following financial companies: Old Second Bancorp, Inc., Old Second National Bank, and River Street Advisors, LLC.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include companies such as motorsport manufacturers, retailers, auctions, lenders, companies that perform marketing services solely on our behalf or to other financial institutions with whom we have joint marketing agreements.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners may include financial services companies, investment companies, credit card companies, and insurance companies.

Other Important Information
VT: Accounts with a Vermont mailing address are automatically treated as if they have limited the sharing as described on page 1. For joint marketing, we will only disclose your name, contact information and information about your transactions. DE: Accounts with a Delaware mailing address are automatically treated as if they have limited the sharing as described on page 1. CA: Accounts with a California mailing address are automatically treated as if they have limited the sharing with nonaffiliates as described on page 1. CA residents are provided a CA notice for additional choices. CA Privacy Policy. NV: We are providing you this notice pursuant to Nevada law. If you prefer not to receive marketing calls from us, you may be placed on our Internal Do Not Call List by calling 1-877-866-0202, or by writing us at 37 S. River St., Aurora, IL 60506. You may also contact the Nevada Attorney General’s office: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; telephone number: 1-702-486-3132; email [email protected]

Other Important Information

VT: Accounts with a Vermont mailing address are automatically treated as if they have limited the sharing as described on page 1. For joint marketing, we will only disclose your name, contact information and information about your transactions. DE: Accounts with a Delaware mailing address are automatically treated as if they have limited the sharing as described on page 1. CA: Accounts with a California mailing address are automatically treated as if they have limited the sharing with nonaffiliates as described on page 1. CA residents are provided a CA notice for additional choices. CA Privacy Policy. NV: We are providing you this notice pursuant to Nevada law. If you prefer not to receive marketing calls from us, you may be placed on our Internal Do Not Call List by calling 1-877-866-0202, or by writing us at 37 S. River St., Aurora, IL 60506. You may also contact the Nevada Attorney General’s office: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; telephone number: 1-702-486-3132; email [email protected]

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