Privacy Policy

Clarke County State Bank is committed to providing the highest level of security and privacy regarding the collection and use of our online banking customers personal information, as well as that of all visitors to our Web site. The latest methods in Internet Banking system security are used to enhance and monitor the integrity of our system. Personal information (name and address) may be collected through the submission of account applications, online banking transactions or through the use of online financial tools such as interactive calculators. A detailed description of Clarke County State Bank's Online Banking Privacy Policy is provided below. If you have additional questions regarding the privacy of your personal information, contact us

RESPECT TO RIGHT FOR PRIVACY
Clarke County State Bank respects your rights to privacy and takes every precaution to provide you with the same level of privacy within our virtual branch that you receive through more traditional bank delivery channels.

COLLECTION AND USE OF PERSONAL INFORMATION
The collection of personal information online is designed to protect access to your personal accounts and to assist the bank in providing you with the products and services you want and need. All personal information collected and stored by the bank is used for specific business purposes – to protect and administer your personal accounts and transactions, to comply with state and federal banking regulations and to help the bank better understand your financial needs in order to design or improve our products and services.

Clarke County State Bank collects nonpublic personal information about you
from the following sources:

• Information we receive from you on applications or other loan and account forms,
  such as your name, address, social security number, assets and income;
• Information about your transactions with us, our affiliates or others, such as your
  account balance, payment history, parties to transactions and credit card usage; and
• Information we receive from third parties such as credit bureaus, such as your
  creditworthiness and your payment history.

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

MAINTENANCE OF ACCURATE INFORMATION
It is in the best interest of both you and the bank to maintain accurate records concerning your personal information. Should you ever believe that our records contain inaccurate or incomplete information, please notify us. Notification should not be done using e-mail as it is not encrypted.

LIMITED EMPLOYEE ACCESS TO PERSONAL INFORMATION
Clarke County State Bank limits employee access to your personal information to only those bank administrators with a business-related reason for knowing such information. Clarke County State Bank also educates all employees about the importance of confidentiality and customer privacy. In addition, individual user names and passwords are used by approved bank personnel to access your personal information, providing audit trails to further safeguard the privacy of your personal information.

THIRD PARTY DISCLOSURE RESTRICTIONS
Clarke County State Bank follows strict privacy procedures in regard to protecting your personal information. In addition, the bank requires all third parties with a business-related need to access this information to adhere to similar and equally stringent privacy policies. Personal information may be supplied to a third party in order to process a customer transaction, if the customer requests the information to be supplied or if the disclosure is required or allowed by law (i.e. exchange of information with reputable reporting agencies, subpoena, or the investigation of fraudulent activity, etc.).

DISCLOSURE OF PRIVACY POLICIES
Clarke County State Bank is committed to ensuring the privacy of its customers personal information. For more information regarding the Clarke County State Bank Online Banking
Privacy Policy, contact us.

	CLARKE COUNTY STATE BANK ONLINE BANKING PRIVACY POLICY Clarke County State Bank is committed to providing the highest level of security and privacy regarding the collection and use of our online banking customers personal information, as well as that of all visitors to our Web site. The latest methods in Internet Banking system security are used to enhance and monitor the integrity of our system. Personal information (name and address) may be collected through the submission of account applications, online banking transactions or through the use of online financial tools such as interactive calculators. A detailed description of Clarke County State Bank's Online Banking Privacy Policy is provided below. If you have additional questions regarding the privacy of your personal information, contact us RESPECT TO RIGHT FOR PRIVACY Clarke County State Bank respects your rights to privacy and takes every precaution to provide you with the same level of privacy within our virtual branch that you receive through more traditional bank delivery channels. COLLECTION AND USE OF PERSONAL INFORMATION The collection of personal information online is designed to protect access to your personal accounts and to assist the bank in providing you with the products and services you want and need. All personal information collected and stored by the bank is used for specific business purposes – to protect and administer your personal accounts and transactions, to comply with state and federal banking regulations and to help the bank better understand your financial needs in order to design or improve our products and services. Clarke County State Bank collects nonpublic personal information about you from the following sources: • Information we receive from you on applications or other loan and account forms, such as your name, address, social security number, assets and income; • Information about your transactions with us, our affiliates or others, such as your account balance, payment history, parties to transactions and credit card usage; and • Information we receive from third parties such as credit bureaus, such as your creditworthiness and your payment history. If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice. MAINTENANCE OF ACCURATE INFORMATION It is in the best interest of both you and the bank to maintain accurate records concerning your personal information. Should you ever believe that our records contain inaccurate or incomplete information, please notify us. Notification should not be done using e-mail as it is not encrypted. LIMITED EMPLOYEE ACCESS TO PERSONAL INFORMATION Clarke County State Bank limits employee access to your personal information to only those bank administrators with a business-related reason for knowing such information. Clarke County State Bank also educates all employees about the importance of confidentiality and customer privacy. In addition, individual user names and passwords are used by approved bank personnel to access your personal information, providing audit trails to further safeguard the privacy of your personal information. THIRD PARTY DISCLOSURE RESTRICTIONS Clarke County State Bank follows strict privacy procedures in regard to protecting your personal information. In addition, the bank requires all third parties with a business-related need to access this information to adhere to similar and equally stringent privacy policies. Personal information may be supplied to a third party in order to process a customer transaction, if the customer requests the information to be supplied or if the disclosure is required or allowed by law (i.e. exchange of information with reputable reporting agencies, subpoena, or the investigation of fraudulent activity, etc.). DISCLOSURE OF PRIVACY POLICIES Clarke County State Bank is committed to ensuring the privacy of its customers personal information. For more information regarding the Clarke County State Bank Online Banking Privacy Policy, contact us.