ONLINE PRIVACY STATEMENT

Effective March 1, 2009 until further revised

Please Note: This website is not directed at, or intended for use by, children.

At iStream Financial Services, Inc. (“iStream”), our customers are very important to us. On a daily basis, we strive to protect their privacy while satisfying their banking needs. When a business desires to have a business relationship with iStream , there may be individuals who, in connection with the business account (as owner, guarantor, etc.) are required to provide their non-public personal financial information (“Information”) to us. We are committed to treating such Information responsibly. Information may include personally identifiable financial information and any other information that we may obtain as described in this Online Privacy Statement (“Privacy Statement”). Businesses should make sure to share the information disclosed in this Privacy Statement to such individuals so that they are aware of how we protect their personal financial information. If your business would ever cease being a customer of ours, the privacy practices in this Privacy Statement will remain in effect as to the Information we received.

This Privacy Statement applies to businesses that have a relationship with iStream and/or any of its other affiliates identified in the following section. We may update or revise the information contained in this Privacy Statement from time to time, so make sure to check back from time to time to review the most current version. Please read on to learn more about our privacy practices.

Our Affiliates
It is possible that certain Information may be shared with our affiliates. When we refer to our affiliates in this Privacy Statement, we mean iTeam Companies, Inc., Kenney Bank and Trust, iLease Direct, Inc., and any other companies that later may affiliate with us.

Confidentiality and Security of Information
Because we want to maintain your trust, safeguarding Information is a priority for us. We restrict access to Information to our employees who need to know in order to provide products or services to you, and others permitted by law. We maintain physical, electronic, and procedural safeguards that comply with all applicable state and federal regulations to help safeguard Information. Some of these safeguards include maintaining anti-virus protection, firewalls, back-up files, third party audits and other technological means designed to help guard against unauthorized access or data alteration.

Information That We Collect and Maintain
We collect, retain, and use Information only where we reasonably believe that it will help administer our business or to provide products, services, and other opportunities to you. For example, we use such Information (i) to protect and administer your records, accounts, and funds, (ii) to comply with certain laws and regulations, (iii) to help us design or improve our products and services, and (iv) to understand your financial needs so that we can provide you with quality products and superior service. We will tell you why we are collecting and retaining such Information upon request.

We may collect Information from sources that might include the following:

• Applications: information we receive from you on applications or other forms;
• Transactions: information about your transactions with us, our affiliates, or others;
• Third Parties: information we obtain from others, including information regarding your creditors, assets and verification of representations made by you; and
• Reporting Agencies: Information we receive from a consumer reporting agency.

We may also use “cookies” to collect and maintain certain types of information when your web browser accesses our website. Cookies are alphanumeric identifiers that can be transferred to your computer’s hard drive to enable our system to recognize your browser and provide various types of customized functionality and information storage. The “help” portion of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. As opposed to some other cookies, the iStream cookie does not collect any personally identifiable information. While you are free to decline the use of cookies, to do so may affect the proper performance and usage of our website.

Information Sharing is Very Limited
From time to time, we might share a very limited amount of Information with our affiliates and other nonaffiliated third parties, usually for purposes of providing or making available products and services that you have purchased or may be interested in. Our practices concerning the limited sharing of Information with our affiliates and nonaffiliated third parties are further described below. Information that may be shared includes the following:

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

Information shared with affiliates
In order to address your needs and provide better service to you, we may from time to time share some Information with certain of our affiliates if there is a reason to do so. Information may be shared with certain of our affiliates (and authorized third parties described in the next section below) for reasons that may include our efforts to protect accounts from identity theft or unauthorized access, to process account and loan applications, for providing information about available financial products or services, or for servicing purposes such as preparing and sending account statements, loan statements and issuing checks. The Fair Credit Reporting Act allows certain individuals to opt-out from having their personal credit information shared with our affiliates. However, if an individual does so, we are still permitted to share other information with our affiliates, including information about their identity and transactions with our affiliates, as permitted by law.

Information shared with nonaffiliated third parties
You should know that we do not sell or share Information to nonaffiliated third parties so that they can market and sell to you. However, there are some nonaffiliated third parties with whom we do share Information in order to provide our products and services to you, and this is usually done only if they are contractually obligated to (i) use the Information solely to perform services for us, and (ii) maintain the information strictly confidential. We may share Information with the following types of nonaffiliated third parties even if an individual has opted-out, because it is permitted by law:

• Third parties that help us provide services that are necessary to effect, administer or enforce any authorized or requested transactions;
• Courts, governmental agencies and law enforcement officers as required by law, subpoena or court order;
• Credit bureaus and other similar reporting agencies; and
• Other nonaffiliated third parties as permitted by law.

Telephone Calls and Mailings
To offer a better variety of services and opportunities that may be of interest to you, we or any of our affiliates may from time to time call or send via regular mail or e-mail certain materials explaining these services and opportunities. Individuals may elect to opt-out of these calls and mailings, however we are still permitted to call and send mailings in order to provide account and service related information. Any such mailings may include marketing materials.

Contact Information for Privacy Questions
Feel free to contact iStream if you have any questions about the information contained in this Privacy Statement.

You may e-mail us at:

Contact@istreamfs.com

You may also send written questions to the following address:

iStream Financial Services, Inc.
Attention: Information Security Department
13555 Bishop’s Court, Suite 102
Brookfield, WI 53005

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