Privacy Policy

FACTS	WHAT DOES Southern Bank and Trust Company DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security Number and Payment History Account Balance and Transaction History Assets and Income We do not sell your personal information.
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Southern Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information		Does Southern Bank share?	Can you limit this sharing?
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus		Yes	No
For our marketing purposes — to offer our products and services to you		Yes	No
For joint marketing with other financial companies		No	We don’t share
For our affiliates’ everyday business purposes — information about your transactions and experiences		Yes	No
For our affiliates’ everyday business purposes — information about your creditworthiness		No	We don’t share
For our affiliates to market to you		Yes	Yes
For nonaffiliates to market to you		No	We don’t share

To limit our sharing	Call 800-821-0655 or Writing us at 121 E Main St. Credit Administration, Mount Olive, NC 28365 If you have previously directed us not to share your personal information with our affiliates to market to you, you do not need to do so again. Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call 800-821-0655

What we do
How does Southern Bank protect my personal information?		To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.
How does Southern Bank collect my personal information?		We collect your personal information, for example, when you open an account or apply for a loan use your debit card or provide account information make deposits or withdrawals from your account We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?		Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes — information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?		Your choices will apply to everyone on your account.

Definitions
Affiliates		Companies related by common ownership or control. They can be financial and nonfinancial companies. Our Affiliates include Banks
Nonaffiliates		Companies not related by common ownership or control. They can be financial and nonfinancial companies. Southern Bank does not share with nonaffiliates so they can market to you.
Joint marketing		A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Southern Bank does not jointly market.

Disclaimer/Other Legal Information

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