FACTS

WHAT DOES PREMIER BANK OF THE SOUTH

DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

§  Social Security number and Credit history

§  Account balances and Wire transfer information

§  Payment information and Checking account information

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons Premier Bank of the South chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Premier Bank share?

Can you limit this sharing?

For our everyday business purposes –

Such as to process your transactions, maintain

your account(s), respond to court orders and legal

investigations, or report to credit bureaus

Yes

No

For our marketing purposes –

To offer our products and services to you

No

No

For joint marketing with other financial companies

No

N/A

For our affiliates’ everyday business purposes –

Information about your transactions and experiences

No

N/A

For our affiliates’ everyday business purposes –

Information about your creditworthiness

No

N/A

For our affiliates to market to you

No

N/A

For nonaffiliates to market to you

No

N/A

Questions?

Call 256-737-9900 or go to www.premierbankofthesouth.com

Who we are

Who is providing this notice?

Premier Bank of the South

What we do

How does Premier Bank of the South

Protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Premier Bank of the South collect my personal information?

We collect your personal information, for example, when you

§  Open an account or give us your income information

§  Apply for loan or make a wire transfer

§  Show your government-issued ID; show your driver’s license

We also collect your personal information from others, such as credit bureaus or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

§  Sharing for affiliates’ everyday business purposes – information about your creditworthiness

§  Affiliates from using your information to market to you

§  Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

§  Premier Bank of the South has no affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

§  N/A

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

§  Premier Bank of the South does not jointly market.

Other important information