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[Internet Privacy Statement] [Customer Privacy Statement]

When visiting our web site, our server automatically recognizes your domain name and tracks what pages you visit on our site. This information is retained for the purposes of helping us improve our site for future visitors. We also collect the e-mail addresses of those who communicate with us via e-mail so that we may respond to questions and in the event we need to contact you in the future to provide additional information.

If you provide information to Monarch Community Bank through an e-mail message, on-line form or any other type of method that involves the transfer of information from you to us, the information you submit will be used only for the purpose(s) of which you intended.

Questions regarding our privacy statement should be directed to Andrew VanDoren, Compliance Officer.

"We", "our", and "us" mean Monarch Community Bank. This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

• All of our consumer customers who have a continuing relationship with us, such as:
  • Deposit account
  • Loan account
  • Safe deposit box
  • Individual Retirement Account
• This statement does not apply to business customers

We will tell you the sources for nonpublic personal (private) information we collect on our customers and what measures we take to secure that information. We will also tell you what information we share with other entities.

If you are a joint owner on an account with us, we suggest that you share this information with others on the account to ensure that everyone is aware of our policy.

Nonpublic personal (private) information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.

THE INFORMATION THAT WE COLLECT

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

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY
AND INTEGRITY OF YOUR NONPUBLIC
PERSONAL INFORMATION

We restrict access to nonpublic personal (private) 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 standards to guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION
AND NONAFFILIATED THIRD PARTIES

We do not disclose nonpublic personal (private) information to nonaffiliated third parties except as permitted by law.

NONPUBLIC PERSONAL INFORMATION
AND FORMER CUSTOMERS

We do not disclose nonpublic personal (private) information about former customers, except as permitted by law.

YOUR RIGHT TO BLOCK THE DISCLOSURE
OF YOUR NONPUBLIC PERSONAL INFORMATION

Nonaffiliated Third Parties. Since we do not share nonpublic personal (private) information with Nonaffiliated Third Parties, there is no need on your part to "opt out" of our information sharing practices. Your nonpublic personal (private) information will remain strictly confidential. If you have questions regarding our Privacy Statement please contact us at:

Monarch Community Bank
Attention: Andrew VanDoren, VP, Compliance Officer & Corporate Counsel
375 N. Willowbrook Rd.
Coldwater, MI 49036
(517) 278-4566