We, our, and us, when used in this notice, mean Community Bank & Trust Co.

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

• All of our consumer customers who have a continuing relationship with us, such as:
  • Deposit account
  • Loan account
  • Safe deposit box
  • All IRA accounts for which we act as custodian

We will tell you the sources for non public personal information we collect on our customers. We will tell you what measures we take to secure that information.

We first define some terms.

Non public personal information means information about you that we collect in connection with providing a financial product or service to you. Non public personal information does not include information that is available from public sources, such as telephone directories or government records.

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 non affiliated third party is a company that is not an affiliate of ours.

We collect non public personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about you transactions with us
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

We do NOT disclose any non public personal information about you to anyone, except as permitted by law.

We restrict access to non public 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 non public personal information

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