We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms or information that you tell us about yourself.
• Information about your transactions with us, or others.
• Information we receive from a consumer reporting agency (commonly known as a credit bureau).
• Information we might receive about you from our affiliate hold company, Community First Bancorporation.
• Information that we receive in response to requests we make to third parties about you or to confirm information that you have provided to us, particularly in the process of evaluating applications for loans.
• Information you provide via internet inquiry to us or via internet to help us identify you.

CATEGORIES OF NONPUBLIC PERSONAL INFORMATION THAT THE BANK DISCLOSES

We may disclose the following kinds of nonpublic personal information about you:

• We may disclose information that we routinely report on your loan or deposit account activity with us to consumer reporting agencies (commonly known as credit bureaus).
• We may disclose information to printing companies that would be necessary to disclose to printing checks for your deposit account or payment coupons for an installment loan account.
• We may disclose information that we receive from you on an application such as deposits or loans that you have with other financial institutions or your employment, for example (in order to verify the accuracy of the information that you have provided to us).
• We may disclose information that we receive from you on an application such as existing loan balances to be paid from our loan proceeds, for example (to persons who will be involved in the closing of the loan, such as attorneys and title companies).
• We may disclose information that we receive from processing your accounts with us, such as balance information, for example (to the operator of the interchange that processes our ATM and debit card transactions), or to a merchant processor, or to an overdraft protection vendor, or to website or network vendors who provide technical assistance, or to financial services providers such as securities broker dealers.
• We may disclose information that we receive from processing your accounts with us, for example (whether there are sufficient funds in the account to pay a check that you have written, such as in response to a merchant to whom you are giving a check in payment of articles you have purchased).
• We may also disclose nonpublic information about you to nonaffiliated third parties as permitted by law.

Our vendors maintain confidentiality agreements with us ensuring their protection of your customer information.

CATEGORIES OF AFFILIATES AND NONAFFILIATED THIRD PARTIES TO WHOM THE BANK DISCLOSES

We are permitted under law to disclose nonpublic personal information about you to other third parties 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 financial service providers such as securities broker dealers who have a contractual relationship with the bank.

Our general practice is not to disclose information about current or former customers to affiliates or nonaffiliated third parties except as permitted by law. However, we may disclose nonpublic personal information about you to the following types of third parties:

• Community First Bancorporation, the holding company which owns Community First Bank as well as any future affiliates of Community First Bancorporation and/or Community First Bank.
• Other banks, regarding payoff balances on your loan accounts with us.

CATEGORIES OF NONPUBLIC PERSONAL INFORMATION REGARDING FORMER CUSTOMERS THAT COMMUNITY FIRST BANK DISCLOSES AND CATEGORIES OF AFFILIATES AND NONAFFILIATED THIRD PARTIES TO WHOM COMMUNITY FIRST BANK DISCLOSES REGARDING FORMER CUSTOMERS

We may disclose the following kinds of nonpublic personal information about former customers:

• We may disclose information that we routinely report on your loan or deposit account activity with us to consumer reporting agencies (commonly known as credit bureaus).

We may disclose nonpublic personal information about former customers to the following types of third parties: Community First Bancorporation, the holding company which owns Community First Bank.

BANK’S POLICIES AND PRACTICES WITH RESPECT TO PROTECTING CONFIDENTIALITY AND SECURITY OF NONPUBLIC PERSONAL INFORMATION

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 regulations to guard your nonpublic information.

PRIVACY OPT OUT FOR DISCLOSURE INFORMATION

If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures; that is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties (other than disclosures permitted by law) you may do so by checking the applicable boxes below, signing, dating on the lines indicated, cutting off this portion of the brochure as indicated, and mailing this document back to us at P.O. Box 1097, Walhalla, S.C. 29691.

By checking the boxes and signing and dating the lines below, you direct us not to disclosure information about you or any other party to this account. Any one of the parties to this account may sign and return this notice to us to indicate this preference.

I prefer that you not disclose information (except as permitted by law) to:

[   ] Community First Bancorporation, the holding company which owns Community First Bank, or related affiliates.

Name: ______________________________________

Account Number: _______________________________

Signature: _____________________________________

Date: _________________