CUSTOMER PRIVACY An Important Issue

We would never contact you for personal or account information. Safeguard your information such as your account number, debit card number and PIN numbers.

At Premier Bank the basis of each customer relationship is based on trust. Our customers have chosen to do business with Premier Bank and we are obligated to honor the relationship with great care, beginning with the information they have chosen to share with us.

When you entrust us with your financial information you can be assured we take every precaution to protect your privacy. At the same time, we want to offer you a variety of products and services you require and request to accomplish your financial goals. We believe we can do both.

We believe the confidentiality and protection of customer information is one of our fundamental responsibilities and under no circumstances do we provide account or personal information to anyone for the purpose of independent telemarketing or direct mail marketing.

Information We Collect:
We collect nonpublic personal information about customers 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.

If you apply for a new account or a loan we ask you to provide information such as employment, income, monthly expenses, and assets. If we need to know about your credit and repayment history, other than our own, we use third-party sources such as consumer reporting agencies and other creditors.

Access to Information We Collect:
• 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 strict internal policies against unauthorized disclosure or use of customer information.
• We maintain physical, electric, and procedural safeguards that comply with Federal standards to guard your non-public personal information.
• All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by unauthorized third parties.

Disclosure of Nonpublic Personal Information:
• We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.
• There may be instances when 1) you request or authorized it; 2) the information is provided to help complete a transaction initiated by you; 3) the information is provided to a reputable Credit Bureau.
• The disclosure is otherwise lawfully permitted or required by or allowed by law (e.g., subpoena, investigation of fraudulent activity, request by regulator, etc.)

As a visitor to our Web site, you need not be concerned about the privacy of your personal information. Our site is not designed to collect personally identifying data on visitors.

Web Site: Our Web site does not require you to disclose any personally identifying information. If, however, you choose to contact us via e-mail, please keep in mind that your e-mail address, and any other information your e-mail header shows about you, such as your name of organization, will be revealed to us in the e-mail, we will use your e-mail information only for the specific purpose of responding to your comments or questions. Your e-mail address will not be sold, nor will it be shared with others outside the bank unless we are compelled to do so by law.

Internet Banking: All information is transmitted with the latest encryption technology that secures data sent and received through your modem. Access is protected by a personal identification number (PIN) that is given only to you. You should safeguard this PIN number the same as you do with ATM PIN numbers and the like. Information that you send to us is also safeguarded under our Customer Privacy – An Important Issue. (We reserve the right to change these policies at any time by posting new privacy policies.)

Premier Bank recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. You may be assured that Premier Bank will continue to provide the most up-to-date safeguards possible to keep your personal financial information confidential and secure.

If you have any concerns or questions about our privacy practices or the way your information is collected, protected or disclosed; please fell free to contact us at (256) 737-9900 or write to: Premier Bank. P.O. Box 1708, Cullman, Alabama 35056.

Disclosure of Nonpublic Personal Information:
• We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.
• There may be instances when 1) you request or authorized it; 2) the information is provided to help complete a transaction initiated by you; 3) the information is provided to a reputable Credit Bureau.
• The disclosure is otherwise lawfully permitted or required by or allowed by law (e.g., subpoena, investigation of fraudulent activity, request by regulator, etc.)

Web Site and Internet Banking:
Our bank respects your privacy. Through our Web site, www.premierbankofthesouth.com, we strive to provide valuable information to you about how we may serve you, and whether you are a valued existing customer or someone shopping for new bank services, we hope our site answers your questions about our products and services, locations, and hours.
As a visitor to our Web site, you need not be concerned about the privacy of your personal information. Our site is not designed to collect personally identifying data on visitors.

Traci McCain
Premier Bank
(256) 737-9900