PRIVACY NOTICE

Our Privacy Commitment to You

We recognize, respect and protect the personal privacy rights of all our customers. We realize that our customers entrust us with personal information and it is our policy to maintain our customers' information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers' personal information.

Nonpublic Personal Information We Collect

Golden Belt Bank (referred to herein as "we") collects nonpublic personal information about you 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.

Nonpublic Information We Disclose

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

Joint Marketing/Service Provider Disclosure

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 whom we have joint marketing agreements.

Confidentiality and Security of Nonpublic Personal Information

We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. We also maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic information.

Notify Us of Inaccurate Information We Report To Consumer-Reporting Agencies

Please notify us if we report any inaccurate information about your account(s) to a consumer-reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to the following address:

This privacy disclosure does not expand legal obligations and is not intended to create any liability other than that found in law. We reserve the right to change our privacy policy at any time.

INFORMATION SECURITY

What is phishing?

Phishing involves the use of seemingly legitimate email messages and Internet websites to trick customers into disclosing sensitive information, such as bank account information, social security numbers, credit card numbers, passwords and personal identification numbers (PINs). The fraudulent email message usually requests the customer to update or validate their financial or personal information in order to maintain their accounts and directs them to a fake website that may look like the website of a legitimate business.

How can I detect phishing?

We will never ask for your account number, social security number or any other personal financial identification information in an email. No matter how official the email may look, if the sender is asking for any personal information, it is likely a phishing scam. Do not click on links in these emails.

How can I avoid being hooked?

Do not reply to or click on a link in an email that warns you, with little notice or prior legitimate expectation that an account of yours will be shut down unless you confirm your billing information. Instead, contact the company cited in the email using an authenticated telephone number or other form of communication that you are sure is genuine.

What if I think I've been hooked?

Contact the institution the phishing email was purporting to be. If they have no record of asking for your information, cancel or change your account immediately to minimize the damage.

REMEMBER: WE WILL NEVER ASK FOR YOUR PERSONAL FINANCIAL INFORMATION THROUGH AN EMAIL

If you have questions or concerns, contact us and we will be happy to address them.

WAYS TO PREVENT IDENTITY THEFT

1. Safeguard your financial information such as checking and credit card numbers, and your social security number. Unless you know the person or organization you're dealing with, don't give it out, even to someone claiming to be from your bank.
2. Report lost or stolen checks immediately. Review new deliveries of checks to make sure none have been stolen in transit.
3. Notify your bank of suspicious phone inquiries such as those asking for account information to "verify a statement" or "award a prize."
4. Shred financial solicitations or financial statements before disposing of them.
5. Deposit your mail into a secure official Postal Service collection box.
6. If regular bills fail to reach you, call the company to find out why. Someone may have filed a false change-of-address notice to divert your mail and steal your identity.
7. If your bills include questionable items, investigate immediately. This is often the first sign of identity theft fraud.
8. Avoid phishing scams. Never reply directly or click on a link in response to an email that asks for personal or financial information. If you are concerned about your account contact us via this website. Remember, we will never contact you "out of the blue" to ask for personal financial information.

If you become a victim of identity theft you should do the following:

• File a police report.
• Contact your banker.
• Notify credit bureau fraud units.
• Place a fraud alert statement on your credit report.
• Request that credit bureaus identify accounts closed due to fraud as "closed at consumer's request."
• Request free credit reports (fraud victims are entitled to two free credit reports from each of the credit bureaus).
• Report check theft to check verification companies.
• Check post office for unauthorized change of address requests.
• Follow-up contacts with letter and keep copies of all correspondence.