At Carolina Bank the basis of each customer relationship is trust. You have chosen to do business with us and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.

You Expect  And Deserve Privacy
We understand that you expect and deserve privacy regarding your financial affairs. At Carolina Bank we have a responsibility to ensure that your financial information remains private, secure, and held in the strictest confidence. This responsibility is of utmost importance to us. You can be assured that we take this responsibility seriously and will take all necessary steps to prevent any misuse of your information.

Use, Collection and Retention of Customer Information
We collect, use, and retain information about you only for legitimate business purposes. The collection, use and retention of your information for business purposes is necessary so that we may administer our business, provide certain products that may be of interest to you, and so that we may provide you with quality service. We will tell you why we are collecting and retaining your information upon request. We use your information and all of our customers’ information on a daily basis for various reasons. These reasons include but may not be limited to the following:

To protect and administer your records, accounts and funds.

To comply with certain laws and regulations

To help us design or improve our products and services.

To better understand your financial needs.

Maintenance of Accurate Information
Maintaining the accuracy of your personal information is important to us. We continually strive to maintain complete and accurate information about you and your accounts. In accordance with reasonable business standards, we have procedures to help ensure that your personal information is accurate, current, and complete. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us and we will investigate your concerns and correct any inaccuracies.

Prevention of Unauthorized Access to Your Information 
At Carolina Bank all employees are required to follow our Code of Ethics. Our code informs our employees that all customer information is considered private and should only be used by those with a business reason for knowing such information. We educate our employees on the importance of customer confidentiality and privacy. Be assured that we will take any disciplinary actions necessary to enforce employee privacy responsibilities.

Security Proceedures Protect Your Informaton 
We are committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

Third Party Disclosure Restrictions 
We do not reveal customer account or other personally identifiable information to unaffiliated third parties for their independent use, except for the exchange of information with reputable reporting agencies to maximize the accuracy and security of the information or in the performance of bona fide corporate due diligence. Otherwise, the only time information will be shared with third parties are as follows:

You request or authorize it.

The information is provided to help complete a transaction you initiated.

The information is required or allowed by law.

Maintaining Customer Privacy in Business Relationships With Third Parties 
Whenever we provide customer information to a third party, we insist that the third party adhere to similar privacy principles for keeping such information confidential.

More Information 
Carolina Bank is committed to ensuring the privacy of its customers’ personal information. If you have any questions or would like more information, please contact Mr. Brian Falcone, Carolina Bank, P.O. Box 1028, Darlington, SC 29540.