Recognizing Our Customer's Expectations of Privacy

Our Privacy Promise

This policy governs the activities of all companies affiliated with Traditions Bank, including:

Traditions Bancshares, Inc.

We respect each customer's right to privacy and have implemented security procedures to protect all personal and business relationships. We believe that customer privacy should not be compromised. We do not have nonpublic personal information except as required or allowed by law, and have implemented security procedures to protect your privacy. Accordingly, we have established this Privacy Policy as a guide for the collection, use, retention and security of individual customer information by our employees.

Policy Statement

The safekeeping of customer information is a high priority for us. Our policy is to collect personal information when it is used to maintain customer security, when it may be required by law, or when it is essential to provide normal customer service. While information is critical to providing quality service, we recognize that the trust of our customers is one of our most important assets to be protected at all times.

Collection of Customer Information

Some information is provided to us by customers on applications and forms. This could include name, address, social security number, assets and income. Other data is developed by the Bank as a function of customer service. Information about transactions with any of our affiliated financial services companies includes your account balance, payment history, parties to transactions and credit card usage. We also may receive information from a consumer reporting agency regarding your creditworthiness and credit history. In all cases, we will limit the use and collection of customer information to what is necessary to administer our business and offer services that may be beneficial to your financial needs.

Maintenance of Customer Information

We are constantly striving to maintain complete and accurate information about your relationships with us. We pledge to respond to correct inaccurate information in a timely manner.

Limitations on Employee Access to Information

Each employee is required to follow our "Code of Conduct" which limits access to customer information to those with a business reason to know such information. All customer data is considered private and privileged and is to be used solely for the purpose of providing the finest service possible.

Established Security Procedures for Protection of Information

We safeguard information according to established security standards and procedures, ever mindful of new developments in technology for protecting information. All of our operational and data processing systems are in a secure environment that protects your account information from access by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

Restrictions on the Disclosure of Account Information

We do not provide personal information to outside companies for the purpose of independent telemarketing or direct mail marketing of any non-financial service.

We may disclose information we receive from you on applications or other forms (such as your name and address) to companies that perform joint marketing services on our behalf or on behalf of other financial institutions with whom we have joint marketing agreements.

We are permitted under law to share information about our experiences or transactions with your or your account (such as your account balance or your payment history with us) with financial services providers related to us by common control or ownership ("affiliates").

We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus. We do not disclose any nonpublic personal information about you to anyone, except as permitted by law. If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

Maintaining Customer Privacy in Business Relationships with Third Parties

When we conduct business with third party vendors in order to provide financial products and services, we require the vendor to comply with our standards of conduct regarding the privacy and confidentiality of personally identifiable customer information.

Responding to Inquiries Regarding Privacy Information

We value each and every customer relationship. We want you to understand how we use personal information you may provide and our commitment to ensuring personal privacy. Federal law allows us to disclose information as listed herein and you may not opt out of this disclosure information. Questions about how we protect confidential information should be directed to or main office at 256-736-2121 or toll-free at 800-735-6697