Privacy Notice

Commercial Bank respects the privacy of its customers. We recognize our obligation to keep information about you secure and confidential.

This policy covers customer information, which means personally identifiable financial information about a consumer or a consumer's current or former relationship with Commercial Bank.

Information We Collect and Disclose
We collect information about you from the following sources:

• Get checking or savings account balances
  
• Information we receive from you on an application or other forms, such as name, address, and social security number;
  
• Information related to your transactions with us, our affiliates, or others, such as account balances, payment history, and credit card usages;
  
• Information from a consumer reporting agency, such as your credit worthiness and credit history;
  
• Information obtained at your request.

We may disclose all of the information that we collect, as described above, to provide you with superior service, inform you of product and service opportunities that may be of interest to you, or for other business purposes.

Parties to Whom We May Disclose Information

• Financial service providers, such as mortgage bankers, credit card issuers, and insurance companies;
• Non-financial companies, such as retailers;
• Companies that perform marketing services on our behalf. These companies are obligated to keep the information that we provide them confidential and use the information only to provide the service we've asked them to perform for you and us;
• Consumer reporting agencies as permitted by law;
• Non-affiliated third parties as permitted by law;
• Affiliates as permitted by law.

You Can Limit Information Shared About You
If you prefer that we not share personal information about you with affiliates and non-affiliated third parties, you may opt out of information sharing, that is, you may direct us not to share information (other than as permitted by law). (Information sharing permitted by law includes sharing information with our affiliates about our transactions or experiences with you.) We may provide information from applications, consumer reports, and other outside sources to our affiliates. Under the Fair Credit Reporting Act, you have the right to prevent this sharing of information about you with our affiliates. If you wish to opt out of information sharing with affiliates and non-affiliated third parties (other than sharing permitted by law), you may call our Bookkeeping Department at 731-641-9450 or toll free at 1-800-273-8889.

Please consider that if you opt out of information sharing, your name may be excluded from mailings or other communications that may be of interest to you. Examples may include information about new products, special rate programs, special promotions, or other direct marketing programs.

You may not opt out of certain sharing of personal information to third parties. This includes information shared as required by law, for example, to government entities in response to subpoenas. It also includes information shared as part of the routine course of business, such as the servicing of a loan or account with us and sharing with consumer credit reporting agencies.

Note: If you have a joint account with another person, a request to opt out disclosure (other than disclosures permitted by law) will apply to all parties on the account.

If you opt out when you open your account, we will immediately honor your request. Later requests to opt out may take eight weeks to become fully effective.

How We Protect Your Information
We restrict access to non-public 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 non-public personal information.

Keep Up-To-Date With Our Privacy Policy
Commercial Bank will provide our privacy policy annually as long as you maintain an ongoing relationship with us. This policy may change from time to time, but you can always review our current policy on our website at www.cbtcnet.com or contact us at 1-800-273-8889.