• Privacy Policy
• Internet Privacy Policy

NATIONAL BANK OF COMMERCE

Protecting your privacy is important to NATCOM Bancshares, Inc. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all National Bank of Commerce employees for collection, use, retention, and security of nonpublic personal information.

Why We Collect Your Information
We gather information about you and your accounts so that we can

• deliver products and services tailored to your needs
• know who you are and thereby prevent unauthorized access to your information
• design and improve the products we offer
• comply with laws and regulations that govern us

Confidentiality and Security
We restrict access to nonpublic personal information about you to those employees who need to know that information about you to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards and regulations to guard your information.

What Information We Collect
We may collect the following types of “nonpublic personal information” about you:

• information about your identity, such as your name, address and
  Social Security number
• information about your transactions with us, or others, such as your account balance
  and payment history
• information we receive from you on applications or other loan and account forms,
  such as your assets, income, or medical information
• information we receive from credit bureaus and other companies, such as your
  credit worthiness and payment history

“Nonpublic Personal Information” is nonpublic information about you that we obtain in
connection with providing a financial product or service to you, such as that described in the
examples above.

We do not disclose any nonpublic personal information about you to anyone, except as
permitted by law.

We are permitted under law to disclose nonpublic personal information about you to
“non-affiliated third parties” (third parties that are not members of our corporate family) in
certain circumstances. For example, we may disclose nonpublic personal information about
you to companies to assist us in servicing your loan or account with us, or to government
entities in response to subpoenas, and to credit bureaus.

In addition, we may disclose the information that we gather to our “financial partners”, companies with which we have joint marketing arrangements to offer financial products and services.

Closed or Inactive Accounts
We will continue to adhere to the privacy policies and practices described in this notice even
after your account is closed or becomes inactive.

Accuracy of Information
We make every effort to ensure our records of your information are complete and correct. If
you see an error on your statement or in any other communication from us, please contact us at the number listed on your account materials as soon as possible.

We are committed to protecting the confidentiality of information provided to us by our customers and website users. We will strive to protect the information we receive no matter how we receive it. We are committed to compliance with the laws and regulations protecting the confidentiality of customer information. Our employees are guided by a formal Code of Ethics, which emphasizes their responsibility to safeguard and maintain the privacy and confidentiality of all customer information.

We recognize your need for privacy and security as you visit our website. You may visit our site without telling us who you are or revealing any personal information. However, our servers do collect standard nonidentifying information about visitors to our site to help us serve you better online. This information is used strictly to track activity on our site. The only information we normally collect and store is:

1. The name of your Internet service provider
2. The website that referred you to us (if any)
3. The date and time the pages were accessed
4. The page or pages you requested

You may at times choose to provide us with personal information. If you complete one of our request forms or send us an e-mail, you are transmitting the information that appears in the form or message. This information is used for completing your request or for contacting you directly and will remain confidential.

All information contained in this website is for informational purposes only and is subject to change. Your eligibility for a particular product or service is subject to approval by bank personnel. We hope you find our website informative and useful. If you have any questions or suggestions, please e-mail us at info@nbofc.com.

About Children's Online Privacy
The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. National Bank of Commerce websites and online services are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections, visit the Federal Trade Commission's website at www.ftc.gov/privacy/privacyinitiatives/childrens . For further information, the Federal Government has created a website, Kidz Privacy , aimed at educating both parents and children about the dangers of the Internet and how to browse safely.