Protecting your privacy is important to THE PEOPLES BANK and our employees. 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 and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for THE PEOPLES BANK employees and affiliates for collection, use, retention, and security of nonpublic personal information. We ask that you read it carefully.

Information We Collect

We may 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, our affiliates or others: and

*Information we receive from a consumer reporting agency.

"Nonpublic personal information" means information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history and deposit history. Nonpublic personal information does not include information available from public sources (i.e., telephone directories or government records).

Information We Disclose

Federal Law permits us to disclose information about our experiences or transactions with you or your account (such as name, address, account balance, payment and deposit history) with companies related to us by common control or ownership ("affiliates"). Our affiliate is:  Ripley Insurance Agency, Inc. 

We are also permitted under law to disclose nonpublic personal information about you to "nonaffiliated third parties" (i.e., third parties that are not members of our corporate family) in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us; to government entities in response to subpoenas; and to credit bureaus. We do not disclose nonpublic personal information about you to any other third parties, except as permitted by law.

We do not disclose nonpublic personal information about our former customers to anyone, except as permitted by law.

Security, Confidentiality and Integrity Procedures

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.

If you have any questions about our Privacy Policy, you may contact Mrs. Jo Thompson by any of the following means:

Phone: (662) 837-8191 Fax: (662) 837-1109

Email: jot@tpbripley.com  Mail: The Peoples Bank, P.O. Box 419, Ripley, MS 38663

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