We

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

• Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
  
  • Deposit account
  • Loan account
  • Safe deposit box

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency
• Information we receive as a result of verifying customer information

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY
OF YOUR INFORMATION

We restrict access to 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 to protect this information.

YOUR INFORMATION AND OTHER PARTIES

Since we value our customers' relationship with us, we will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

AUTHORIZED SHARING SERVICE PROVIDERS

We may disclose the following information to companies that perform services on our behalf:

• Information you give us on an application or other forms, such as:
  
  • Name
  • Address

We disclose the information listed above with companies that perform services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose information about you to others as permitted by law.

Types of Businesses

Here are the types of businesses with whom we may disclose information:

• Service providers that perform services for us, such as:
  
  • Direct mailers

Reasons For Disclosing

We may disclose information about you to companies that perform services on our behalf for bulk mailing.

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. The Bank of South Carolina's 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 Web site, Kidz Privacy, aimed at educating both parents and children about the dangers of the Internet and how to browse safely.