Countybank

Customer Privacy Policy Summary

Countybank was founded in 1933 with three fundamental banking principles in mind:

To be a conservative investor
To be courteous to customers
To maintain and protect confidential customer information

While times have changed, our commitment to these three principles has not. We expect this same level of commitment from our affiliated companies and our employees.

With the growing concern for customer privacy protection, we want you to understand what information we collect, how we use it and the security measures we utilize. We encourage you to read through our complete Privacy Policy. We also invite you to visit our Online Banking Security section for additional information and tips for protecting your information online.

If you have questions, please call our Privacy Coordinator at 864-942-1551.

TCB Corporation
Countybank
Countybanc Investments, Inc.
Countybanc Insurance, Inc.

Customer Privacy Policy Disclosure

In 1933, Countybank was founded with three primary banking principles in mind, 1) to be a conservative investor, 2) to be courteous to customers, and 3) to maintain and protect confidential customer information. While times have changed, our commitment to these three principles has not. We also expect this same level of commitment from our affiliated companies and our employees.

With the growing concern for customer privacy protection, we want you to understand what information we collect, how we use it and the measures of security that we utilize. In order to provide you with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. Whether you are an existing customer or are considering a relationship with us, we want you to know that we are still committed to upholding the highest standards of privacy for your benefit and protection. Our customer privacy program is summarized below.

Recognition of Customer Privacy Expectations: Our corporate family respects that our customers expect and deserve privacy. Information that has been entrusted to us will be held in the strictest confidence. We maintain high standards to ensure that the information is used only for appropriate business reasons in accordance with applicable laws and regulations.

Collection, Use and Retention of Customer Information: We collect, use and retain customer information from a variety of sources for the purpose of administering our business or to provide products, services or other opportunities for our customers as follows:

Customer information obtained directly from the customer on applications or other forms such as name, address, telephone number, social security number, etc.;
Transaction and experience information collected when recording customer activity and related transactions such as account balances, ATM and debit card usage, payment history, etc.; or
Information requested with your permission from outside sources such as employment verifications, credit reports, etc. This information is used to evaluate and manage our risks; to protect and administer your accounts, records and funds; to comply with applicable laws and regulations; to develop and enhance our portfolio of products and services and other valid business purposes.

Information Accuracy: Our corporate family continually strives to maintain complete and accurate information about you and your accounts. If you ever believe that our information is inaccurate or incomplete, please notify us immediately. We will review your concerns and correct any inaccuracies. Under the Fair Credit Reporting Act, you have the right to notify us if you believe we have reported inaccurate information about your account to any Consumer Reporting Agency. Please submit your request for correction in writing and include your full name, current address, social security number, account number, telephone number, and the information you believe is inaccurate. Please inform us of the reason you believe the information is incorrect and we will research and correct information appropriately. Send your notice to:

Countybank
Attention: Privacy Coordinator
P.O. Box 3129
Greenwood, SC 29648-3129

Employee Access to Customer Information: Customer confidentiality has always been the cornerstone of Countybank's legacy. Our corporate family maintains security levels and related procedures to assist in the prevention of unauthorized access to confidential information within our organization. Secured access is delegated upon a "need to know" basis commensurate with each employee's responsibilities. Our employees are instructed in the importance of confidentiality and are provided with written code of conduct guidelines. You are important to us and we will guard your information as we have since our doors opened in 1933.

Maintaining Customer Privacy with Third Party Business Partners: It is necessary upon occasion to provide personally identifiable information about our customers to a party outside of our organization. TCB Corporation and our affiliates are highly selective in choosing vendors and service companies that assist us in servicing our customers. These relationships are maintained solely to perform services on our behalf including, but not limited to, customer statement rendering, items processing, electronic data processing services, or other services required to support our products and services. These business partners agree to safeguard our confidential customer information and they must abide by applicable law. If a marketing service is requested that will use personally identifiable information, it is our policy to provide you the option to request exclusion from any such data sets.

Internet and Electronic Privacy: With the rapid expansion of technological capability in our industry and in our institution, TCB Corporation and our affiliates are committed to maintaining and expanding effective systems to facilitate the convenient delivery of services, regardless of the method of delivery. We value our customers and recognize the importance of your trust and confidence in us. Information gathered via the Internet or other electronic means will be used only for appropriate purposes such as evaluation of our web pages' effectiveness, designing new products or services for the benefit of our customers or estimating system capacity needed to conveniently service our customers.

Restricted Disclosure of Information: Responsible use of information benefits our customers by protecting your privacy and by enabling us to offer you improved products and services based on your needs. It is our policy to prohibit the sale of customer information to parties outside of our corporate family. Our corporate family does not reveal specific information about your accounts or other personally identifiable data to external parties unless:

You request disclosure of the information;
The information is necessary to complete a transaction or perform a service at your request;
The information is provided to a reputable credit bureau or similar information reporting agency; or
The disclosure is otherwise lawfully permitted or required.

We occasionally receive medical or health information about a customer, for example if a customer applies for insurance from us. If we do receive medical or health information about you, we will not share it with our affiliates, except as necessary to maintain accounts, process transactions, or provide services you have requested.

We are permitted to share information about your transaction and account experience with our affiliates through a central information system. We are also permitted by law to share other customer information with our affiliates. This assists us in improving the type and selection of services available to you. If you do not want us to share non-public personal information (except transaction and experience information) among our family of affiliates, please call us at 864-942-1551 and ask that the Privacy Coordinator forward you a Customer Information Marketing Opt-Out Request. Please be aware that you can request this exclusion only on your own behalf, and not for anyone else. We will process your request as soon as possible after receipt of the completed, written Customer Information Marketing Opt-Out Request.