Peoples Bank - Privacy Notice

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Notice of Your Financial Privacy Rights

We, our, and us, when used in this notice, mean 
Peoples Bank of North Alabama.

This is our privacy notice for our customers. When
we use the words "you" and "your" we mean the 
following  types of customers:
Our consumer customers who have a continuing
relationship by purchasing or holding financial
products or services such as a(n):
 - Deposic account
 - Loan account
 - Credit card account
 - Retail installment contract we hold and service
 - Safe Deposit Boxes

We will tell you the sources of the information we
collect about you. We will tell you what measures we
take to secure that information.

We first define some terms.
           Nonpublic personal information means
information about you that we collect in connection
with providing a financial product or service to you. 
Nonpublic personal information does not include
information that is available from public sources, 
such as telephone directories or government
records. Hereafter, we will use the term "information"
to mean nonpublic personal information as defined in 
this section.
          An affiliate is a company we own or control,
a company that owns or controls us, or a company
that is owned or controlled by the same company that
owns or controls us. Ownership does not mean
complete ownership, but means owning enough to 
have control.
           A nonaffiliated third party is a person we 
do not employ or a company that is not an affiliate of
ours. This is also known as nonaffiliated third party, or
simply, an "other party."

THE INFORMATION WE COLLECT
We collect information about you from the following
sources:
 - Information you give us on applications or 
   other forms
 - Information about your transactions with us
 - Information about your transactions with our 
   affiliates
 - Information about your transactions with other
   parties
 - Information from a consumer reporting agency

YOUR INFORMATION AND
                 OUR AFFILIATES

We may disclose information about you to our
affiliates. Here are the kinds of information and the 
source of that information:
     Transaction and experience information from our
     account records:
      - Information about your transactions and
        experience with us, such as
             - Name
             - Address
        Federal law allows us to disclose the information
        listed above with our affiliates. You do not have a 
        right to opt out of the disclosure of this information.

Types of Affiliates
We may disclose information about you to the
following types of affiliates:
      - Financial service providers, such as
      - Title insurance companies

THE CONFIDENTIALITY, SECURITY, AND
         INTEGRITY OF YOUR INFORMATION
We restrict access to 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 to 
protect this information.

INFORMATION ABOUT FORMER CUSTOMERS
We do not disclose information about former
customers, except as permitted by law.