USA Patriot Act

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Evolve Disclosure

Evolve Bank & Trust and its nonbank affiliates are subsidiaries of Evolve Financial Group, Inc. Banking products are offered through Evolve Bank & Trust, an FDIC member. Advisory Services are offered through Evolve Investment Advisors, Inc., (“EFG”). Evolve Securities, Inc. is a registered broker-dealer, member FINRA, NFA and SIPC. Investments with Evolve Securities Are Not FDIC Insured, May Lose Value, and Are Not Bank Guaranteed. Mortgage services are offered through Evolve Mortgage Services, Equal Housing Lender.

Privacy Policy Notice

What are some frequently used terms and their meaning?

We, our and us means Evolve Bank & Trust and affiliate companies as listed at the end of this notice. Customer information means nonpublic personal information about you that is collected in connection with providing a financial product or service to you. Nonpublic information does not include information that is available from public sources, such as telephone directories or government records. Anaffiliate is a company we own or control, a company that owns or controls us, and a company that is owned or controlled by the same company that owns or controls us. A nonaffiliated third party is a company that is not an affiliate of ours, or an individual that is not employed by us.

Evolve Bank & Trust and our family of affiliates are committed to providing quality products and services to you. The range of products and services includes deposits, loans, wealth management and safe deposit box services. Customers will receive this notice at account opening and annually thereafter.

What types of customer information do we collect in the process of providing products and services to you?

To best serve your financial needs, we collect customer information from a variety of sources including the following categories:

1. Information you provide directly to us on applications and other forms related to our products and services such as name, address, and social security number.
2. Information about your transaction with us, our affiliates, or others such as payment history, credit card usage, and account balances.
3. Information from a consumer reporting agency.
4. Information about your transactions with other parties.

Information we may share about you

We may share all of the information that we collect, as described above, to provide you with exceptional service; better inform you of product enhancements; and inform you of other opportunities that may be of interest to you. We may also share the information that we collect, as described above, in connection with a subpoena or to respond to some other judicial process or government regulatory authority having jurisdiction over us.

Except as described above, we do not share customer information to any other types of nonaffiliated third parties unless you authorize us to do so or the information is provided to help complete a customer-initiated transaction. We do not share your customer information with third parties outside the Evolve Bank & Trust family of affiliates except as permitted by law.

Parties to whom we may disclose information

• Financial service providers, such as mortgage bankers, credit card issuers, and insurance companies as permitted by law;
• Companies that perform marketing services on our behalf as permitted by law. These marketing companies are contractually obligated to keep the information we provide them private and confidential and to use the information we provide to perform the service(s) we've requested;
• Consumer reporting agencies as permitted by law;
• Our affiliates as permitted by law;
• Nonaffiliated third parties as permitted by law.

How do we protect the confidentiality and security of your customer information?

We are committed to protecting the confidentiality of customer information. Your privacy is considered in all aspects of our business. As such, we restrict access to information about you to those employees who need to know the information to provide products or services to you. We maintain physical, electronic and procedural safeguard to protect your information.

What should you do if you see any inaccurate information in your statements?

We believe that it is important to maintain the accuracy of all your information with us. We have systems and procedures implemented to ensure this accuracy and to correct to correct any information that we learn to be inaccurate. If you believe that we have inaccurate information concerning you, please contact us at 1-866-367-2617 or write us at: Evolve Bank & Trust, P.O. Box 526, Parkin AR 72373. We will take appropriate action to verify the information and to correct if necessary.

Use, collection and retention of customer information

We will collect, retain and use information about our customers only when we reasonably believe it would be useful (and allowed by law) to administer the bank's business and/or to offer or provide products, services and other opportunities to its customers.

Sharing your information among our family of companies

We may share information among our affiliates in order to provide the best financial products available. The sharing of information may also be used to market products among our affiliates. The sharing of information may include application or credit information with our affiliates. You may direct us not to share customer information within our family of companies and to not share information with our affiliates for marketing purposes by calling 1-866-395-2754 and electing to "opt out". You may also write to: Evolve Bank & Trust, P.O. Box 526, Parkin AR 72373. If you choose to "opt out" or not share information AND the account is jointly owned, such a request by one individual will apply to all owners on the account.

Who are our family of affiliates as of July 2009?

Evolve Bank & Trust's privacy notice applies to information about our current and former customers. Our families of Evolve Bank & Trust affiliates are:

• Evolve Mortgage Services, Inc.
• Evolve Securities, Inc.
• Evolve Investment Advisors, Inc.
• AFS Investment Advisors, Inc.
• Evolve Bancorp, Inc.

TERMS OF USE

Important Notice
Welcome to the Evolve Bank & Trust website. Your access to and use of this website are subject to these Terms of Use, as we may amend them from time to time. Please read the Terms of Use carefully. You must stop using the website if you do not agree to be bound by the Terms of Use. Your use of this website is also subject to all applicable federal, state and local laws. Arkansas and federal law will govern the interpretation and enforcement of these Terms and Conditions. Any disputes arising from the use of this website shall be subject to the exclusive jurisdiction of the United States District Court for the Eastern District of Arkansas or the Circuit Court of Crittenden County, Arkansas Civil Division.

Ownership of Materials on Website
Unless we note otherwise, the contents of this website, including graphics, icons, and general appearance, belong exclusively to Evolve Bank & Trust. Except for your personal, noncommercial use, you may not copy, modify, distribute, display, transmit, reproduce, transfer, resell or republish any material on this website without the prior written permission of Evolve Bank and Trust.

No Warranties
Evolve Bank & Trust makes this website available on an "as is" and "as available" basis. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO REPRESENTATIONS OR WARRANTY THAT YOUR USE OF THIS WEBSITE WILL BE UNINTERRUPTED, TIMELY, OR SECURE, OR THAT THE CONTENTS OF THIS WEBSITE OR ANY WEBSITE LINKED TO THIS WEBSITE WILL BE FREE FROM ERROR. Your use of this website is at your own risk, and we will not be responsible for any damage to your computer system or loss of data that results from your use of this website or any website linked to this website.

No Liability
Except as may be otherwise required by applicable law, Evolve Bank & Trust IS NOT LIABLE TO YOU OR TO ANY THIRD PARTY FOR ANY COMPENSATORY, DIRECT, SPECIAL, INDIRECT, CONSEQUENTIAL OR PUNITIVE DAMAGES RESULTING FROM YOUR USE OF THIS WEBSITE OR ANY OF THE PRODUCTS OR SERVICES OFFERED ON THIS WEBSITE. This disclaimer of liability applies even if Evolve Bank & Trust or its service providers, employees or representatives have been advised of the possibility of such loss or damage.

Indemnification
You agree to defend, indemnify and hold Evolve Bank & Trust and its employees, officers, directors, and agents harmless from and against all claims and actions, costs, fees, and expenses, including attorney fees, arising from your violation of these Terms of Use or from your use or misuse of this website. You agree to cooperate fully in the defense of any such claim or demand

Products and Services
The products and services described on or available through this website are also subject to the terms and conditions, including fees, applicable to those products or services. In the event of any conflict between these Terms of Use and the terms and conditions applicable to particular product or service, the terms and conditions applicable to the product or service shall apply.

Links to Other Websites
From time to time, as a convenience to you, we may provide links to the websites of Evolve Bank & Trust affiliates or to the websites of unaffiliated third parties. The owners of those websites are solely responsible for the contents of those websites and for any products or services offered on them. Evolve Bank & Trust does not control the content or security of those websites. Our providing a link to a website does not constitute an endorsement of the products or services offered on the website.

Privacy
Evolve Bank & Trust respects the privacy of the visitors to this website. We do, however, use cookies to facilitate your use of this website and for our internal and security purposes. We do not use cookies to collect sensitive personal or financial information. Please see our Notice of Your Financial Privacy Rights to learn how Evolve Bank & Trust treats customer information.

Change of Terms of Use
These Terms of Use are effective as of July 1, 2006. Evolve Bank & Trust may modify these Terms of Use at our discretion at any time. We will post the most current version on this website, and you should check the Terms of Use periodically.

No waiver
Evolve Bank & Trust shall not be deemed to have waived any of its rights under these Terms of Use unless the waiver is in writing and signed by an authorized officer of the bank. No delay or failure to enforce our rights on one occasion shall operate as a waiver of any such right or remedy at a future time.

Contacting Evolve Bank & Trust
If you experience any problems with this website or have any questions, you may contact our systems administrator by email at administration@ebtonline.com. We will make every effort to provide a timely response to your email, but do not email us about a matter that requires immediate attention. If you require an immediate response, or if you have questions about an Evolve Bank & Trust product or service, please visit any of our branch locations or call us toll-free at 1-866-367-2617. DO NOT SEND CONFIDENTIAL PERSONAL OR ACCOUNT INFORMATION BY EMAIL.