NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us, when used in this notice, mean State Bank of Florence.

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

• All of our consumer customers who have a continuing relationship with us, such as:
  • Deposit account
  • Loan account
  • Credit card
  • Safe deposit box
• All former customers

We will tell you the sources of nonpublic personal information we collect on our customers. 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.

An affiliate is a company that 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 company that is not an affiliate of ours.

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 our affiliates
• 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 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.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
We will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
If you decide to close your account(s) or become an inactive customer, we will follow the privacy policies and practices as described in this notice.

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
• Nonpublic personal information about your transactions with us, such as
  • Types of accounts

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

Reasons For Disclosing
Here is why we may disclose nonpublic personal information about you to other financial institutions with whom we have joint marketing agreements:

• To provide our customers with information about additional products and services

Limitations on Disclosure
Here are the limitations we impose on the use of nonpublic personal information disclosed to other financial institutions with whom we have joint marketing agreements:

• We only allow direct mail solicitations
• We do not allow telephone solicitations

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