Protection of Your Privacy

Your choice to do business with Phenix-Girard Bank is an important decision. We take our obligation to keep information about you and your accounts secure and confidential very seriously. This notice provides details about the information we collect and disclose, and explains how we handle privacy as it relates to you and your accounts.


ACCURACY OF INFORMATION

Every effort is made to ensure our records of your information are complete and correct. If an error is noted on your statement or in any other communication from us, contact us at the number listed on your account materials as soon as possible.

THE INFORMATION THAT WE COLLECT

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

Information about your transactions with nonaffiliated third parties

Information from a consumer reporting agency

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THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION

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 regulations to guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATE THIRD PARTIES

We may disclose nonpublic personal information to nonaffiliated third parties. Here are the kinds of nonpublic personal information we disclose to nonaffiliated third parties:

· Name
· Address
· Assets
· Income

You may opt out of the disclosure of the information listed above.

Types of Nonaffiliated Third Parties

We may disclose nonpublic personal information about you to the following types of nonaffiliated third parties:

· Financial service providers, such as
· Mortgage bankers
· Insurance agents

We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Future Nonaffiliated Third Party Disclosure

We also reserve the right to disclose nonpublic personal information about you in the future with the following types of nonaffiliated third parties:

· Financial service providers, such as
· Securities broker-dealers

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS

We do not disclose nonpublic personal information about former customers, except where permitted by law.

THE INFORMATION THAT WE COLLECT

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
· Information about your transactions with nonaffiliated third parties
· Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION

We restict 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 regulations to guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATE THIRD PARTIES

We may disclose nonpublic personal information to nonaffiliated third parties. Here are the kinds of nonpublic personal information we disclose to nonaffiliated third parties:

· Name
· Address
· Assets
· Income

You may opt out of the disclosure of the information listed above.

Types of Nonaffiliated Third Parties

We may disclose nonpublic personal information about you to the following types of nonaffiliated third parties:

· Financial service providers, such as
· Mortgage bankers
· Insurance agents

We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Future Nonaffiliated Third Party Disclosure

We also reserve the right to disclose nonpublic personal information about you in the future with the following types of nonaffiliated third parties:

· Financial service providers, such as
· Securities broker-dealers

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS

We do not disclose nonpublic personal information about former customers, except where permitted by law.

AUTHORIZED SHARING- JOINT MARKETING

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

· Nonpublic personal information we receive from you on an application or other forms, such as
· Name
· Address

Federal law allows us to disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Types of Businesses. Here are the types of businesses with whom we may disclose nonpublic personal information under this section

· Financial service providers, such as
· Insurance agents
· 

OTHER CIRCUMSTANCES

When we share information with third parties, we hold all such parties to the same or higher standards as we do ourselves with respect to privacy of your information.

YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR NONPUBLIC PERSONAL INFORMATION

Nonaffiliated Third Parties. If you do not want us to share your nonpublic personal information with nonaffiliated third parties, you can block the release of certain nonpublic personal information. This is known as your right to “opt out”.

Your decision to block the disclosure of your nonpublic personal information will apply to all products and services you receive from us.

If you have a joint account, each participant of this account has a separate right to opt out. If one of you chooses to opt out of the discloser of nonpublic personal information and another does not, only information regarding the party who does not opt out will be disclosed. Any participant on the account can opt our on behalf of any other participant of the account.

If you wish to opt out of disclosures, either write or stop by in person to advise us of your choice. See contact information provided below.

Contact us in person by stopping by one of our four locations and speaking with a customer service representative or by writing us at :

Phenix-Girard Bank
Attn: Privacy Team
P.O. Box 70
Phenix City, Al. 36868