OLD SECOND BANCORP, INC

OLD SECOND BANCORP, INC.

PRIVACY POLICY

At Old Second Bancorp Inc., we are committed to safeguarding your privacy. We recognize that as a customer, you expect complete privacy with respect to your confidential personal and financial information. While the information we collect about you is critical to providing superior products and service, be assured that we are dedicated to maintaining the confidentiality of the nonpublic personal information we have received from our customers.

Old Second Bancorp Inc. includes the following entities: Old Second National Bank and Old Second Financial, Inc. Old Second Bancorp, Inc. has adopted the following privacy guidelines as a means of protecting the confidential information provided by our customers:

1. Customer’s Expectation of Privacy

We recognize our customers’ expectations that their financial information will be kept confidential. All employees are required to sign a concurrence to abide by our Bancorp Code of Business Conduct and Ethics, which include specific limitations and confidentiality in the handling of all customer records and information.

2. Collection, Use and Retention of Customer Information

We collect, retain and use information about our customers only in instances where we believe it would help in providing useful products, services and opportunities to our customers.

We collect nonpublic 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.

3. Maintenance of Accurate Information

We strive to maintain accurate information about our customers and we will respond to requests to correct inaccurate information in a timely manner.

4. Limited Access to Confidential Customer Information

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 standards to guard your personal information.

5. Third Party Relationships

We may disclose any or all of the information we collect, as described above, to:

§ our affiliated bank or insurance company in connection with products or services that we offer. You will be provided an opportunity to decline the sharing of consumer report information, as defined by the Fair Credit Report Act, prior to disclosure of the information to an affiliate.

§ companies that perform marketing services solely on our behalf or to other financial institutions with whom we have joint marketing agreements. We will insist that the third party keep such information confidential, consistent with the conduct of our business relationship.

We do not disclose any nonpublic personal information about our customers or former customers to any other third party, except as outlined in this policy or as permitted by law.

Disclosure of Privacy Policy

We make this Privacy Policy available to all interested parties. If you have any questions regarding the privacy of your confidential information, please refer to your account representative for guidance.