Because Your Privacy Is Important to Us…..

Your privacy is one of your most important assets. At Community Bank of the South, we understand your need for continued privacy. We recognize that our customers expect information provided to us or obtained by us will be safeguarded. This is why we strive to improve our processes to safeguard this valuable asset. The purpose of this notice is to describe how we collect and disclose customer information. The following is our Privacy Policy and it explains how we use and protect information about our customers. We ask that you read it carefully.

We collect 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, our affiliates, or others, and

* Information we receive from a consumer credit reporting agency

Authorized Sharing - Joint Marketing: So that we can strive to service more of your financial needs, we may disclose information we receive from you on an application or other form, only to our investment partner with whom the bank has a joint marketing agreement, INVEST Financial Corporation. This information is limited to:

* Name and Contact Information

We will not share any other personal information about you. INVEST Financial Corporation resides in the lobby of our main office in Smyrna , and maintains office space at our other locations. Community Bank of the South works with them to offer a wider range of investment products to our customers. We are allowed to share this information by law. We will never sell your information.

We do not disclose any nonpublic personal information about our customers or former customers to third parties except as required by law, or in a joint marketing agreement or to perform transactions you request.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.

We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.