YOUR FINANCIAL PRIVACY AT SECURITY BANK & TRUST – PARIS, TN
(As Related to Consumer Accounts)

Security Bank & Trust acknowledges our customer's expectations of their financial and personal information being private. Maintaining our customer's trust that the relationship will remain confidential shall be an essential component of Security Bank & Trust’s relationships with our customers. We have protected your confidential information in many ways over the years and will continue to do so using state-of-the-art measures. Protecting your privacy is important to Security Bank & Trust and our employees. The following policy and pledge serves as a standard for all Security Bank & Trust officers and employees for collection, use, retention and security of nonpublic personal information. We want you to understand what information we collect and how we use it.

What Information We Collect - "Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. Security Bank & Trust collects nonpublic personal information about you, such as your income, net worth, and Social Security number. Nonpublic personal information also includes information regarding your account balance and payment history. We collect nonpublic personal information from the following sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us or others;
• Information we receive from a consumer reporting agency; and
• Information we obtain through the use of our website and on-line banking.

What Information We Disclose - We do not disclose nonpublic personal information about you to anyone, except as permitted by law. For example, we are permitted by law to disclose nonpublic personal information about you to "nonaffiliated third parties" (third parties that are not members of our corporate family):

• To assist us in servicing your loan or account with us;
• To provide services you have requested or initiated;
• To government entities in response to subpoenas;
• Sending information returns to the Internal Revenue Service; and
• To credit bureaus.

We are permitted by law to share information about our experiences or transactions with you or your account with our affiliate(s), companies related to us by common control or ownership (White & Associates Insurance - Wimberley Agency, LLC).

We may also share additional information about you or your account (such as application information we receive from you, information from credit reporting agencies and insurance information) with our affiliate(s). One of the benefits of this sharing would include improved customer service by offering additional services and benefits to you. You may instruct us not to disclose this type of information to our affiliate(s) by calling us during business hours at 731-644-8050. If you have already notified us and requested that we not share this type of information, there is no need to make this request again.

We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements (for example, to provide free accidental life insurance on checking accounts). Any such company would also be obligated to keep this information confidential.

We do not share medical or health information among our affiliates or unaffiliated third parties except to process transactions or to provide services you have requested or initiated.

If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy practices as described in this notice.

Incorrect Information - If you believe our customer records contain incorrect information about you, call or write to us at the telephone number or address listed on your account statement.

Customer Identification Requirements - In accordance with Section 326 of the USA Patriot Act signed October 26, 2001, all persons are subject to the identity verification requirements even though they may be a long-term customer of and well known to the bank.

For the purpose of the regulation, an “account” includes every formal banking relationship that entails ongoing services, dealings, or transactions. Some examples are a deposit account, loan, trust relationship, or safe deposit box rental.

If you request to open an account or become a signatory on an account with the bank and the bank has not previously verified your identity under the new regulatory requirements, the bank will request documentary verification of your identity, such as a driver’s license or passport and /or it will verify your identity through other non-documentary methods. Similar identification requirements apply to business entities such as corporations and partnerships.

Our Security Procedures - Security Bank & Trust restricts access to your personal and account information to those employees who need to know that information in the normal course of business. We also maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.