Your Privacy is Important to Us!

At Greer State Bank, we respect and honor the privacy of your personal information as an essential part of your trust and confidence in us. We have always highly valued our customers' privacy. It is our policy to comply with federal and state laws and regulations affecting your privacy, including the Fair Credit Reporting Act and the Right to Financial Privacy Act. We protect your confidential information in many ways and use state-of-the-art measures. We never lose sight of the fact that your trust is our most treasured asset.

We only use, collect, and retain information that is necessary to serve our customers and to conduct our business.

In order to help our customers meet their financial needs and goals, we must collect certain pieces of "nonpublic personal information" or information about our customers that is not available to the public. This nonpublic personal information comes from a variety of different sources including:

• Information we receive from you on applications or other forms;
• Information about your transactions with us, our affiliates, or others;
• Information we receive from a consumer reporting agency.

How does Greer State Bank use this information? In compliance with the guidelines established in this policy, we use the information for identification purposes to protect our customers' accounts, prevent unauthorized access, and identify additional services that may be of value to our customers.

We limit and control the sharing of your personal information with other parties.

Greer State Bank periodically evaluates new products and services that we feel may provide additional convenience or value to our customers. We use the information collected to determine whether certain customers may be interested in learning about these new services. We may disclose information obtained from you, such as your name and address, to our affiliate, Greer Financial Services Corporation, if we believe information from them would be beneficial to you. We may also disclose information obtained from you, such as your name and address, to a non-affiliated third party service provider that performs marketing services on our behalf. However, in this situation, the Bank would have a contractual agreement with the provider to protect your information.

Regardless of the customer's relationship with the Bank or the value of the services offered, we will only disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law. We also do not disclose any nonpublic personal information about former customers to anyone, except as permitted by law.

We guard and maintain your personal information for accuracy and completeness.

It is the policy of Greer State Bank to assure that the information we maintain about our customers is accurate, current and complete. We will promptly investigate and correct any inaccuracies as soon as we become aware of them.

We treat your personal information as highly confidential and limit employee access to this information.

Information that we maintain about our customers is treated as highly confidential. We emphasize the importance of this confidentiality and privacy to our employees by providing training and maintaining appropriate operating procedures. Employee access to customer information is limited to those using it in the legitimate conduct of our business.

We maintain strict safeguards to protect your personal information.

We maintain physical, electronic, and procedural safeguards that comply with federal regulations to prevent unauthorized access to customer information. We periodically test and update our technology to provide protection to assure the integrity and security of our information systems.

We are committed to customer privacy on our web site.

Greer State Bank is also committed to protecting the privacy of our customers who use our Online Banking Service through our web site. For additional information about our Internet policies concerning privacy and security, email us at info@greerstatebank.com.

We ask you to partner with us in protecting your privacy.

We encourage you to be diligent in your efforts to protect the privacy of your information. What steps can you take to protect yourself? Carefully guard your Social Security and account numbers and review your bank and credit card statements as soon as you receive them. Protect your Personal Identification Numbers (PINs) and computer passwords.

For more tips on how to protect your personal information, visit any Greer State Bank branch or call us at 877-2000.

The protection of your privacy is very important to Greer State Bank.

Please be assured that protecting your privacy in all of your dealings with us is among our highest priorities. If you have any questions about the confidentiality of your customer information, please feel free to contact us at (864) 877-2000 or email us at info@greerstatebank.com.

You have options regarding the emails you receive from Greer State Bank.

Greer State Bank desires to utilize email as a method of communication with our customers. We will use this method to communicate important security and product information about our online banking system. Additionally, we will use this method to communicate new product enhancements and services to our customers. If you desire, you may opt out from receiving these promotional emails from Greer State Bank. You may notify the Bank of your desire to opt out from receiving promotional emails by sending your request to info@greerstatebank.com. Additionally, online banking customers may modify their promotional email status under User Options located within the online banking system. Customers who opt out of receiving promotional emails will continue to receive emails with security and product information for products and services that they currently use.