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OUR PRIVACY PLEDGE TO YOU

As a customer of The Commercial Bank, you provide us with important information about yourself.  We believe it is our responsibility to safeguard your personal and financial information.  While some financial institutions share account owner information with other businesses, we are committed to keeping it confidential.

We have developed the following privacy policy to insure you the confidentiality you deserve.  You have our promise that we will adhere to these guidelines.  It is our pledge to you.

 Rev 12/2010
FACTS
WHAT DOES THE COMMERCIAL BANK DO WITH YOUR PERSONAL INFORMATION?
 
 
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you   how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
 
 
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
Social Security number and Employment information
Transaction history       and  Overdraft history
Credit history                and  Checking account information
When you are no longer our customer, we continue to share your information as described in this notice.
 
 
How?
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons The Commercial Bank          chooses to share; and whether you can limit this sharing.
 
 
Reasons we can share your personal information
Does The Commercial Bank share?
Can you limit this sharing?
For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes
No
For our marketing purposes—
to offer our products and services to you
Yes
No
For joint marketing with other financial companies
Yes
No
For our affiliates’ everyday business purposes—
information about your transactions and experiences
No
We don’t share
For our affiliates’ everyday business purposes—
information about your creditworthiness
No
We don’t share
For nonaffiliates to market to you
No
We don’t share
 
 
 
 
Questions?
Call 864-369-7326    or go to www.thecommercialbanksc.com
 

 
 
Page 2
 
 
 
Who we are
Who is providing this notice?
The Commercial Bank
 
 
What we do
How does The Commercial Bank  protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
 
How does The Commercial Bank   collect my personal information?
We collect your personal information, for example, when you
Open an account                 or Give us your contact information
Apply for a loan                   or Provide employment information
Show your driver’s license                 
   We also collect your personal information from others, such as credit
    bureaus, affiliates, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
sharing for affiliates’ everyday business purposes—information about your creditworthiness
affiliates from using your information to market to you
sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
 
 
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
The Commercial Bank has no affiliates.
 
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
 The Commercial Bank does not share with nonaffiliates so they can market to you.
 
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partners include product benefits companies.
 
 
Other important information
 
 
 
 
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