PRIVACY POLICY

At Bank of Lumber City, our mission is to meet the desires of our customers. As financial service professionals entrusted with sensitive financial information, we respect the privacy of our customers and are committed to treating customer information responsibly. Our Customer Information Privacy Principles serve as standards for all Bank of Lumber City employees for collection, use retention, and security of individual customer information.

RESPECT OF RIGHT TO PRIVACY

At Bank of Lumber City, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. In addition, while information is critical to providing quality service, we recognize that one of our most important assets is our customers' trust. Thus, the safekeeping of customer information is a priority for Bank of Lumber City.

COLLECTION AND USE OF PERSONAL INFORMATION

Information about consumers is accumulated from a variety of sources. Some information is provided to The Bank of Lumber City directly by customers themselves. Other data is developed by ABC State Bank as a function of providing a product or service to a customer. Still other information is obtained from outside sources. We will limit the use and collection of information about our customers to that which is necessary to administer our business, provide superior service, and offer opportunities that we think will be of interest to our customers. This means that we will use information to help us identify products and services that we believe customers might want to know about. We will use this information only in accordance with the principles set out in this Policy.

MAINTENANCE OF ACCURATE INFORMATION

We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information, please notify us. We will investigate your concerns and correct any inaccuracies.

LIMITATIONS ON EMPLOYEE ACCESS TO INFORMATION

At Bank of Lumber City, employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information and on these Privacy Principles. Because of the importance of these issues, all Bank of Lumber City employees are responsible for maintaining the confidentiality of customer information and employees who violate these Privacy Principles will be subject to disciplinary measures.

SECURITY PROCEDURES FOR PROTECTION OF INFORMATION

Bank of Lumber City is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

DISCLOSURE RESTRICTIONS OF ACCOUNT INFORMATION

We do not reveal specific information about your accounts or other personally identifiable data to parties outside our affiliated banks and companies for their independent use unless: 1) the information is provided to a reputable credit bureau or similar information reporting agency; 2) the information is provided to help complete a transaction initiated by you; or 3) the disclosure otherwise is lawfully permitted or required. We do not provide account or personable information to non-Bank of Lumber City companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

Bank of Lumber City does not share information about customers for marketing solicitations with affiliated banks and companies.

When it comes to sharing customer information with unaffiliated companies, Bank of Lumber City places strict limits on who receives specific information about customer accounts of other personally identifiable data. Bank of Lumber City may share information with such companies if they provide a product or service that may benefit our customers. Whenever we do this, we carefully review the company and the product or service to make sure that it provides value to our customers. We share the minimum amount of information necessary for that company to offer its products or service.

THIRD-PARTY DISCLOSURE RESTRICTIONS

When the Bank conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

DISCLOSURE OF PRIVACY POLICIES

Bank of Lumber City 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. Because of our commitment, we have developed these Privacy Principles, which are made readily available to our customers. Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call Bank of Lumber City at 912-363-4341