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Southern Community

Bank and Trust

Ready Saver Account

Account Offerings

Privacy

Your relationship with us is treated with great confidentiality. We view the security and confidentiality of Customer Information as a top priority throughout Southern Community Bank and Trust. We do not sell or share Customer Information with outside companies for purposes of independent telemarketing or selling of any non-financial products or services to you.

Security Procedures Protect Your Information

Customer information will only be disclosed to authorized account holders, and only after identification of that account holder has been verified. If the information request is made over the telephone and we are uncertain about the identity of the person requesting the information, we will ask that the request be made in writing or in person, or require that we call back to give the information. The call must be to a telephone number we currently have on file to contact you. Another alternative is to require the customer to obtain information by way of our 24-hour Telephone Banking System or Online Banking which maintains personal PIN knowledge.

Procedures have been implemented to assure that only authorized Bank employees may view the information shared with us. This is accomplished by limiting access to information (via access capability and password control) to only those employees having a legitimate business purpose for viewing or responding to information or inquiries.

MAINTENANCE OF ACCURATE INFORMATION

The Bank has procedures in place to help assure that customers' information is accurate, current and complete. The Bank will update information, remove old information and correct known inaccurate information in a timely manner. Customers should notify the Bank immediately if they receive information regarding their relationship that they believe to be inaccurate.

INTERNET INFORMATION

Southern Community Bank and Trust recognizes the trust customers have placed in us and our responsibility regarding their financial privacy. It is our responsibility to keep sensitive financial and personal information confidential. We've always been committed to the protection of our customers' privacy.

Web Site Security
Southern Community Bank and Trust has implemented technology to assure that any sensitive personal information provided or any account information received on-line is done in a safe and secure manner. Special secure-connection hardware and software (commonly called "firewalls") are in place to assure the security of online communication of information. Whenever we ask for personal information on our web site, we use Secure Socket Layer (SSL) technology for transferring data. This technology encrypts - or scrambles - your account information. Please note that since we cannot control information on other Internet sites, we are not responsible for the content of sites linked from www.smallenoughtocare.com.
Web Site Privacy
Our Web Site includes sections that are public (not password protected) and areas that are password protected (for example, individual customer banking areas).

When any person visits the public areas of our Web Site, we may collect certain basic information, such as how many people visited our site and what pages were visited.

Unlike the personal information that a customer provides and views with respect to his personal banking relationship (which is subject to the security procedures described above), all of the information gathered in the public areas of the Web Site is general. We use this general information to determine which parts of the Web Site are most popular, how people access the site, how we can change the content of the Web pages to make them more helpful and how we can improve customer service.

Also included in Southern Community Bank and Trust's Web Site is the capability for a customer to correspond with the Bank. This correspondence, via e-mail, may be for the purpose of asking general questions, requesting literature, or responding to bank promotions. These activities may include sharing some personal information with Southern Community Bank and Trust. We preserve e-mail addresses, the content of your e-mail and any information provided (for example site registration or survey information) in order to more efficiently handle any follow-up questions you may have. We also do this to meet legal and regulatory requirements. E-mail is not a secure connection. In responding to customer inquiries we will not include confidential account information.

FOR YOUR PROTECTION, NEVER SEND ANY NONPUBLIC INFORMATION SUCH AS YOUR SOCIAL SECURITY NUMBER OR ACCOUNT NUMBER VIA E-MAIL. You may contact Southern Community Bank and Trust by phone, U.S. mail, or by a visit to your nearest banking office.

WHETHER OR NOT AN INDIVIDUAL IS A CUSTOMER OF SOUTHERN COMMUNITY BANK AND TRUST, PERSONAL INFORMATION IS COLLECTED IF, AND ONLY IF, THAT INFORMATION IS VOLUNTARILY PROVIDED. IT IS THE BANK'S POLICY THAT CUSTOMER INFORMATION WILL NOT BE SOLD OR RENTED TO ANY UNAFFILIATED THIRD PARTY FOR MARKETING OR OTHER PURPOSES.

Consumer Reporting Agencies

You may not prohibit Southern Community Bank and Trust from sharing your loan and deposit account history with consumer reporting agencies. However, you may request that consumer reporting agencies not provide information about you to companies wishing to extend "preapproved" offers to you for their products or services. You may make this request by calling the Opt-Out Request Line at 1-888-567-8688.

National Do Not Call Registry

Southern Community Bank and Trust supports the National Do Not Call Registry. To have your phone number added to the National Do Not Call Registry, you may call 1-888-382-1222 or register at www.fcc.gov/cgb/donotcall. While this will stop most marketing calls, you may still receive calls from businesses where you are a customer.

National Advertisers and Marketing Companies

You may request that the Direct Marketing Association delete your name from telephone and mail lists used by their members in marketing products and services to you. Information on these lists is normally obtained from public sources. Your request lasts for five years and should include all versions of your name in which you currently receive information, your address, and your telephone number, including the area code. Requests for deletion should be mailed to each of the following.

For advertising received through the mail:
Mail Preference Service
c/o Direct Marketing Association
P.O. Box 643
Carmel , NY 10512

DMA E-Mail Preference Service: Dmaconsumers.org/optoutform_emps.shtml

PROTECTING OUR CHILDREN

We do not knowingly collect or solicit data from children under 13, and we do not knowingly market to children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.

IDENTITY THEFT ASSISTANCE

If you believe you may have been a victim of identity theft:

File a police report in your local jurisdiction and retain the report number and the name of the officer who took the report.
Contact your local branch to place holds on your accounts.
Contact the Social Security Administration's Fraud Hotline at 1-800-269-0271 to report fraudulent use of your identification information.
Report the incident as quickly as possible to any one of the credit reporting agencies:

Experian 1-888-397-3742
Equifax 1-800-766-0008
Trans Union 1-800-680-7289

You should review a current credit bureau report to identify any unauthorized accounts or inquiries and ask the credit reporting agency about placing a Victim Alert Flag on your files.

5. File a complaint with the Federal Trade Commission (FTC) by contacting the FTC's Identity Theft Hotline at 1-877-IDTHEFT (438-4338)

FURTHER INFORMATION REGARDING SOUTHERN COMMUNITY BANK AND TRUST'S PRIVACY POLICY

A printed copy of the Bank’s Privacy Statement may be obtained by sending an e-mail or writing to the address below. This statement addresses our policies including Internet information and internal customer information. Inquiries or comments should be addressed to:

Compliance Officer
Southern Community Bank and Trust
PO Box 26134
Winston Salem , NC 27104
acctinfo@smallenoughtocare.com

Thank you

At Southern Community Bank and Trust, your business is very important to us and we want to do our best to provide superior service. If at any time we can help you please do not hesitate to call (877) 460-3535.