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Privacy

What Does Peoples Bank of the South Do With Your Personal Information?

Rev. Date 12/2010

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 Account balances Payment history Transaction history Transaction or loss history Credit history 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 customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons Peoples Bank of the South chooses to share, and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does Peoples Bank of the South 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	We don't share
For joint marketing with other financial companies	No	We don't share
For our affiliates’ everyday business purposes – information about your transactions and experiences	No	We don't share
For our affiliates’ everyday business purposes – information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
Questions? Call 423-562-4921 or go to peoplesbanksouth.com

What We Do
How does Peoples 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. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Peoples Bank of the South collect my personal information?	We collect your personal information, for example, when you Open an account Apply for a loan Provide account information Give us your contact information Show your driver's license We also collect your personal information from others such as credit bureaus, affiliates, 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 non-affiliates 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 non-financial companies. Peoples Bank of the South does not share with affiliates. Peoples Bank of the South has no affiliates
Non‑Affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Peoples Bank of the South does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. Peoples Bank of the South does not jointly market. Peoples Bank of the South doesn't jointly market.