Southern Bank&Trust





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	Southern Bank & Trust’s Privacy Statement and Policy Southern Bank & Trust recognizes that you expect a high level of privacy and confidentiality when it comes to your financial affairs and your personal information. We are committed to providing the highest level possible. In the normal course of business we gather nonpublic personal information about our customers and those who transact business with us. We will safeguard and protect this information at all times. In the event you close your account(s)or become an inactive customer, we will follow the privacy policies and practices as described in this notice. This Statement is provided for the purpose of informing you of how we gather and protect your information. Collection of Customer Information We obtain nonpublic personal information about our customers when you conduct a transaction with us, such as opening an account or applying for a loan or credit card. Information may be obtained directly from customers, from credit bureau agencies and from other credit references you may supply us. We may collect the following kinds of information about you: Information we receive from you on applications or other forms such as your name, address, Social Security number, assets and income Information about your transactions with us, such as your account balance, payment history, parties to transactions and credit card usage: and Information we receive from consumer-reporting agency, such as information relating to your creditworthiness and credit history. We collect information about you only when we reasonably believe it will help provide products, services and other opportunities to you. We obtain information that is necessary to administer our business and is allowed by law. Use of Customer Information Personal and financial information about customers is used only for very specific purposes: To identify persons involved in transactions and to guard against unauthorized access to funds or information, and to protect customer’s accounts; To identify additional products or services that may be of value to our customers; and To help us identify and avoid potential risks or losses to Southern Bank & Trust Maintaining Information We have established procedures and controls to ensure that information used is accurate, current and complete in accordance with commercial standards. Our procedures are designed to correct inaccurate information in a timely manner whenever it is discovered. We request that you notify us in writing of any changes in your personal information (i.e. address, phone, etc.) Employee Access to Information Access to your personal information is only available to those employees with legitimate need to know. Employees are trained to handle all information in a confidential manner. All employees must adhere to our Code of Ethics as a requirement for continued employment. Protection of Information by Established Security Procedure Southern Bank & Trust will make every reasonable effort to maintain the highest level of security against any authorized access to your financial information. In this regard we will use right security procedures, employee training and technology.

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