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Privacy Policy

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some
but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal
information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This
information can include:

  • Social Security Number
  • Income
  • Payment history
  • Transaction history
  • Credit history
  • Credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section
below, we list the reasons financial companies can share their customers’ personal information; the reasons Decatur
County Bank/West Tennessee Bank choose to share; and whether you can limit this sharing.

Reasons we can share your personal informationDoes Decatur County Bank/West Tennessee Bank Share?Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausYesNo
For our marketing purposes - to offer our products and services to youYesNo
For joint marketing with other financial companiesNoWe don't share.
For our affiliates' everyday business purposes - information about your transactions and experiencesYesYes
For our affiliates' everyday business purposes - information about your creditworthinessYesYes
For nonaffiliates to market to youNoWe don't share.

To Limit our Sharing

Call 731-852-2821 or email customerservice@decaturcountybank.com

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we went this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call (731) 852-2821 or go to www.decaturcountybank.com

What We Do

How does Decatur County Bank/West Tennessee Bank protect my personal information?

To protect your personal information from unauthorized access and use we use security measures that
comply with federal law. These measures include computer safeguards and secured files and buildings. We
also maintain other physical electronic and procedural safeguards to protect this information and limit
access to information to those employees for whom access is appropriate.

How does Decatur County Bank/West Tennessee Bank collect my personal information?

We collect your personal information, for example, when you

  • Apply for a loan
  • Give us your income information
  • Provide employment information
  • Give us your contact information
  • Show your government-issued ID

We also collect your personal information from others, such as credit bureaus, affiliates, or other
companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will only apply to your accounts.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

  • Our affiliates include:
    • Companies with a West Tennessee Wealth Management name

 

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Decatur County Bank/West Tennessee Bank does not share with nonaffiliates so they can market to
    you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or
services to you.

  • Decatur County Bank/West Tennessee Bank doesn’t jointly market.

E-Statement Banking Disclosure

Decatur County Bank eStatement Disclosure – By accepting this disclosure, you agree to discontinue
receiving your monthly paper account statement. If you wish to continue to receive your monthly paper
statement along with an eStatement, you must contact Decatur County Bank at (731) 852-2821.

Decatur County Bank is offering eStatements as a way for our customers to receive their monthly account
statement online and avoid receiving a paper statement in the mail. You may choose to receive your
monthly account statements electronically by opting in to the service and accepting this disclosure.
Accepting this disclosure and signing up for eStatements will automatically discontinue your monthly
paper statement. You may also choose to continue to receive a paper copy each month (along with
eStatements) by notifying Decatur County Bank at (731) 852-2821. Any customer that signs up for
eStatements will retain the option to withdraw their consent to the service at any time and return to
receiving their monthly statement via mail each month. Consent to receive eStatements applies only to
demand deposit account statements (checking, savings); no loan records or disclosures will be sent
electronically. Once you have consented to receive eStatements, in order to return to paper statements,
you must call Decatur County Bank at (731) 852- 2821.

In order to receive a timely eStatement, you must keep your information with Decatur County Bank
up-to-date. This includes notifying us of any change in your email address. In order to update your
contact information, you may use the online banking system under “My Profile” – “Change Contact
Information” or call Decatur County Bank at (731) 852- 2821.

If you have consented to receive eStatements but need to request a paper copy of your statement, you may
contact Decatur County Bank directly at (731) 852-2821 to request the copy for a fee of $5.00 per
statement copy, or you may print a copy from the online banking system free of charge. Statements will
remain available via online banking for five years.

If you accept this disclosure and consent to receive eStatements, you will receive an email each month
alerting you that your monthly statement is available within the online banking system. In order to
access your eStatement, you must log into the Decatur County Bank online banking application. You must
have a PC or Macintosh computer with a hard drive or printer so that disclosures and statements may be
printed or saved. You are required to have a modem or otherwise maintain an internet connection in order
to access your email account to receive the eStatement notification, and the program is designed for
optimal use using Internet Explorer 8 or later as your default browser. The Adobe Reader software
version 7.0 or higher is required in order to view the eStatements, as they are PDF documents. In
addition, Decatur County Bank highly recommends the use of anti-virus software on any computer that you
use to access sensitive financial information, but it is not required. If there is a change in the
hardware or software requirements needed to access Decatur County Bank eStatements, you will be notified
of the change in enough time to comply.

As a promotion, Decatur County Bank is offering to waive the $7.00 monthly service charge on any regular
checking account that gets registered to stop paper statements and receive eStatements only. The service
charge will only be waived so long as the account continues to receive eStatements only. Decatur County
Bank may terminate this promotion at any time.

This disclosure will remain available at all times via a link on the Decatur County Bank website
(www.decaturcountybank.com) and within the online banking system. By accepting this disclosure, you
acknowledge that you have, at a minimum, the hardware and software listed above to be able to receive
and retain electronic copies of your monthly account statements (eStatements).

Mobile Deposit Terms and Conditions

You must read and agree to this document before using Online Banking and/or Bill Pay
Services.

Online Banking Agreement and Disclosure

This Online Banking Agreement and Disclosure Statement (Agreement) covers the use of
Decatur County Bank’s Online Banking Services and includes certain disclosures for electronic
fund transfers. This Agreement is a contract between you and Decatur County Bank, and you
should read this Agreement carefully and keep it with your other account records for future
reference. This Agreement, in conjunction with your Fee Schedule, the Depository and Loan
Disclosures you received at account opening, and any other supplemental disclosures
Decatur County Bank provides you from time to time, constitute a contract between you and
Decatur County Bank. By using, or allowing others to use the Services, you agree to abide by and
be bound by the terms and conditions of this Agreement. The Online Banking Services we are
capable of handling are indicated below (although some may not apply to your accounts).
Please read this Agreement carefully because it tells you your rights and obligations
for use of the Services. When you use our Services or you permit another person to use our
Services, you agree to the terms and conditions we have set out in this Agreement and
any instructional material that we provide you regarding the Services.

Definitions

In this Agreement, the words “we”, “us”, and “our” mean Decatur County Bank/West
Tennessee Bank. The words “you” and “your” mean each person who establishes an Online Banking
Account with us or who uses or is authorized to use an Online Banking ID and password or other
means of access we establish or approve. “Access Codes” mean the Online Banking Access ID and
Password we establish or approve. “Bill Pay” means our Online Bill Payment service that
allows you to direct payments from an approved checking account to third parties you
wish to pay. “Business Day” means Monday through Friday. Holidays are not included. “Eligible
Accounts” means any account allowed to be accessed by the Services. “Payee” means one or
more third parties that have been selected by you in advance to receive payment through
the Services. “Services” means our services that allow you to obtain account information,
transfer funds, make payments including our “Bill Pay” services, access accounts, and
perform other transactions over the Internet by use of a personal computer and modem
and/or other means we authorize or allow.

Access to Services

Our Services are for authorized use by Decatur County Bank/West Tennessee Bank customers
only. Attempted unauthorized access is a violation of federal law and will be prosecuted
to the full extent of the law. You must have at least one eligible personal deposit,
credit, or other account type with us. You may not designate any account that requires more than
one signature for withdrawals. You must be the owner of this account (or accounts). Your
accounts with us must be in good standing. We undertake no obligation to monitor
transactions through the Services to determine that they are made on behalf of the
account holder. You are also responsible for any telephone, computer and Internet services fees
incurred in connection with your use of the Services.

Accounts Eligible for Services

We may change from time to time the accounts that may be designated as Eligible
Accounts. We also reserve the right (i) to refuse to include any account among your Eligible
Accounts; or (ii) to allow transactions between or among Eligible Accounts under certain
circumstances as provided in this Agreement or as may be required by applicable law.

Access Codes

To access our Services you must use the Access ID and Password we establish or provide
for your Online Banking Account. Upon initial access of the account, you are required to
change your Password. For your protection, we recommend that you do not use the same Password
for these Services that you use on other bank and non-bank products. You are responsible to
protect your Access Codes from unauthorized access. Anyone to whom you provide your
Access Codes will have full access to your accounts even if you attempt to limit that person’s
authority. You agree not to allow anyone to gain access to the Services or to let anyone
know your Access Codes used with the Services. If you save your Access Codes on your
computer, you will be liable for any transactions initiated through the Services by use
of these Access Codes. It is recommended that you disable or not use the password savings
function offered by certain Web browsers. You agree to assume responsibility for all
transactions initiated through the Services with your Access Codes, up to the limits
allowed by applicable law. Decatur County Bank/West Tennessee Bank will not contact you to
request your Access Codes or to verify your Access Codes. As an additional security measure, if
you do not log in to the Online Banking System for 30 days, your password will no longer
work and will have to be changed.

Consumers Liability for Unauthorized Transfers

Tell us AT ONCE if you believe your Access Codes have been lost or stolen. Telephoning
is the best way of keeping your possible losses down. You could lose all the money in your
account. If you tell us within 2 business days, you can lose no more than $50 if someone
used your Access Codes without your permission. (If you believe your Access Codes have
been lost or stolen, and you tell us within 2 business days after you learn of the loss or
theft, you can lose no more that $50 if someone used your Access Codes without your
permission.) If you do NOT tell us within 2 business days after you learn of the loss or theft of your
Access Codes, and we can prove we could have stopped someone from using your Access
Codes without your permission if you had told us, you could lose as much as $500. Also, if
your statement shows transfers that you did not make, tell us at once. If you do not tell us
within 60 days after the statement was mailed to you, you may not get back any money you
lost after the 60 days. If you believe your Access Codes have been lost or stolen or
that someone has transferred or may transfer money from your account without your permission,
call or write us at the following telephone number or address: During business hours
Monday, Tuesday, Thursday, 8:30 a.m. – 3:00 p.m.; Wednesday, 8:30 a.m. – 12:00 p.m.; Friday 8:30
a.m. – 5:00 p.m. CST call: 731-852-2821 or write us at: Decatur County Bank Attn:
Bookkeeping Department, P.O. Box 429 Decaturville, TN 38329

Incorrect Transactions on Your Statement

In case of errors or questions about your electronic transfers, call us at: 731-852-2821
or write us at: Decatur County Bank Attn: Bookkeeping Department, P.O. Box 429
Decaturville, TN 38329 as soon as you can, if you think your statement or receipt is wrong or if you need
more information about a transfer listed on the statement or receipt. We must hear from
you no later than 60 days after we sent the FIRST statement on which the problem or error
appeared. (1)Tell us your name and account number (if any). (2) Describe the error or
the transfer you are unsure about, and explain as clearly as you can why you believe it is
an error or why you need more information. (3) Tell us the dollar amount of the suspected
error. If you tell us orally, we may require that you send us your complaint or question
in writing within 10 business days. We will determine whether an error occurred within 10
business days after we hear from you and will correct any error promptly. If we need
more time, however, we may take up to 45 days (90 days if the transfer involved a new
account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your
complaint or question. If we decide to do this, we will credit your account within 10 business days
(20 business days if the transfer involved a new account) for the amount you think is in
error, so that you will have the use of the money during the time it takes us to complete our
investigation. If we ask you to put your complaint or question in writing and we do not
receive it within 10 business days, we may not credit your account. An account is
considered a new account for 30 days after the first deposit is made, if you are a new customer. We
will tell you the results within three business days after completing our investigation.
If we decide that there was no error, we will send you a written explanation. You may ask
for copies of the documents that we used in our investigation.

Transfer Limits

You must have enough available funds in any account from which you instruct us to make a
payment or transfer. If the date you schedule a payment to be made is a holiday, funds
must be available in your account the next Business Day. Scheduled payments that fall over a
weekend will be processed on Monday evening or the next business day. If your account
has insufficient funds to perform all electronic fund transfers you have requested for a
given business day, then: (1) Electronic fund transfers involving currency disbursements, like
ATM withdrawals, will have priority, (2) Electronic fund transfers initiated through the
Services which would result in an overdraft of your account may, at our discretion, be
cancelled, and (3) In the event that electronic fund transfers initiated through the
Services which would result in an overdraft of your account are not cancelled, overdraft
charges may be assessed pursuant to the terms of the deposit agreement for that account.
If any of your Eligible accounts are savings accounts, certain withdrawal restrictions
apply. You may make only three (3) transfers (of any kind) from your savings account per
quarter without being charged. A fee of $1.00 will be imposed for each withdrawal/transfer over
three. You may make unlimited deposits without fees. Please refer to your initial
account disclosures for more information on applicable transaction limits. If a hold has been
placed upon deposits made to an account from which you wish to transfer funds, you cannot
transfer the portion of the funds held until the hold expires. Transfers initiated through the
Services before 3:00 p.m. Central Standard Time on a business day are posted to your
account the same day. Transfers completed after 3:00 p.m. Central Standard Time on a business
day, Saturday, Sunday or banking holiday will be posted on the next business day. The
Services identifies a transfer based upon the Access ID of the user who made the electronic
transfer. Accordingly, you understand and acknowledge that the Transfer and Bill Payment History
screens will not reflect transfers made by multiple users from the same account if
different Access IDs are used. You agree to communicate to any other persons with authorized
access to your accounts concerning any transfers or bill payments from your accounts, in order to
avoid overdrafts.

Transfers and Bill Payment – Your Responsibility

You are responsible for all transfers and bill payments you authorize using the
Services. If you permit other persons to use the Services or your Access codes, you are responsible
for any transactions they authorize from your linked eligible accounts. You are liable for
all transactions that you make or authorize, even if the person you authorize exceeds your
authority. If you have given someone your Access Codes and want to terminate that
person’s authority, you must change your Access Codes to prevent further access by such person.
You agree that when any transfer, bill payment, or other transaction is generated by the
Services, we may debit your designated account or the account on which the item is drawn
without requiring your signature on the item and without prior notice to you. For
business account customers, if you allow your employees to conduct transactions using the
Services, it is recommended that you perform periodic risk assessments and controls evaluations to
ensure that transactions are being performed per company policy.

Bill Payments and Transfers – Our Responsibility for Completing

If we, or a third party acting as our agent, do not complete a transfer to or from your
account on time or in the correct amount according to our agreement with you, we will be
liable for your losses or damages. However, there are some exceptions. We will not be
liable, for instance: If, through no fault of ours, you do not have enough money in your
account to make the transfer. If the terminal or system was not working properly and you
knew about the breakdown when you started the transfer. If circumstances or persons
beyond our or our agent’s control prevent, delay, intercept, or alter the making of a transfer
or payment, despite reasonable precautions that we have taken. Such circumstances include,
but are not limited to, computer failure, telecommunications breakdowns or interruptions,
labor disputes, delays caused by payees, interruption of services by ATM or other payment
networks, acts of terrorism, acts of war, fires, floods, and other natural disasters. If
you have not given us complete, correct or current account numbers, other identifying
information, or instructions so that we can properly credit or debit your account or
otherwise complete the transaction. If you do not properly follow our instructions or if
you provide us with wrong or inaccurate information or fail to correct or tell us about any
inaccuracy of which you are aware. If you do not instruct us soon enough for your
payment or transfer to be received and credited by the time it is due as described in the Bill
Payments Guidelines section. If a timely Bill Payment is made but the payee nevertheless does not
credit your account promptly after receipt. If the money in the account from which a
payment or transfer is to be made is subject to legal process or other claim that restricts
access to the funds. If we or our agent reasonably believes that a transaction may be
unauthorized and based thereon the transaction is not completed. This Agreement has been terminated.
Applicable law prevents completion of the transfer. Any other exceptions stated in our
agreement with you.

Bill Payment

In order to use the Decatur County Bank Bill Pay service, you must be an authorized user
of the Decatur County Bank Online Banking System and have a valid Access ID and Password
issued or authorized by us.

Bill Payment Limits

In addition to the transfer limits listed previously, Bill Payments will be debited from
your account on the date you indicate as the payment date (weekends and national
holidays are not valid payment dates).

Bill Payment Guidelines

You must designate the following: the account from which payments are to be made; the
complete name of the payee, the payee’s remittance address, and the payee’s phone
number, all exactly as shown on the billing statement or invoice; the amount of the payment, the
date you want the payment to be debited from your account, and the frequency of the
payment. By using the Bill Payment Services option, you agree that, based upon instructions
received under your password, we can charge your designated account, by electronic transfer or by
“no signature required draft”, on your behalf. We will make all Decatur County Bank payments
by placing checks in the mail. Decatur County Bank will issue an official bank check and
mail it on the business day following the scheduled date of your payment. The timing of
checks received is dependent on several factors, including (1) mail time to the merchant, (2)
processing time at the merchant and (3) processing accuracy at the merchant. You should
schedule payments and transfers to be made at least five (5) business days prior to the
merchant due date to allow for mailing and processing time. The five (5) days do not
include the day the payment is submitted or any grace period provided by the merchant. Our
business days are Monday through Friday. Holidays are not included. We will not be liable for any
late charges, interest, penalties, or other damages incurred because you allow less time
for a payment or transfer. We will not be responsible for delays caused by others. You
understand and agree that we are not responsible for the timely delivery of mail or the
improper transmission or handling of payments by a third party, such as the failure of
the bill payment payee to properly post a payment to your account.

Canceling a Bill Payment

Via the On-Line Bill Payment System you can cancel a scheduled payment by “deleting” the
transaction. The payment must be deleted prior to 11:00pm Central Standard Time on the
day that the payment is scheduled to be made.

Bill Payment Responsibility

You are responsible for having sufficient funds in your account(s). You are liable for
our standard fees associated with overdrafts in your account or for insufficient funds
(NSF’s). If you should have excessive overdrafts in your account, a hold may be placed on your
bill payment services and NSF fees will apply. In severe or habitual situations, your access
to the On-line Banking Services may be revoked and your account with Decatur County Bank
closed. In the event you have sufficient funds to make some, but not all, scheduled
payments, we may in our sole discretion, determine which payments to complete.

Claims and Defenses Against Merchants

We will act as your agent for the purpose of making payments to Merchants. You release
us from all claims, defenses, and rights that you may have against any Merchant or any
other person for any merchandise or services purchased through or accounts paid by the
Services.

Limitation of Liability

You agree that we are not responsible for any computer virus, worms, Trojan horses, or
related problems that may be associated with the use of an on-line system. We will use
reasonable efforts to maintain the security of the Services; however, we recommend that
you routinely scan your PC and diskettes using a reliable virus detection product to remove
any viruses found. You agree that you shall bear the liability or the risk of any error or
loss of data, information, transactions or other losses that may be due to the failure of
your computer system or third party communications provider on which you may rely. We shall
not be liable for any losses resulting from circumstances over which we have no direct
control, including, but not limited to, the failure of electronic or mechanical equipment or
communications lines, telephone or other interconnect problems, software, operator
errors, log-in sequences, natural disaster, civil disturbance, strikes and other such events
including without limitation any failure of your Internet service provider to complete
your connection to the Services. You acknowledge that there are alternative methods for
accessing the information and conducting the transactions provided by the Services. In the event
you experience problems in accessing the Services, you will attempt to access such
information and conduct such transactions by such alternative methods. You agree that we are not
liable for punitive, exemplary, consequential, indirect, remote or special damages. In no event
shall we be liable for damages that exceed your actual loss due to our failure to
complete a transfer, pay a bill, stop payment or other use of the Services. Except as specifically
provided in this agreement, or otherwise required by law, you agree that our officers,
directors, employees, agents or contractors are not liable for any indirect, incidental,
special or consequential damages under or by reason of any services or products provided
under this agreement or by reason of your use of or access to the Services, including
loss of profits, revenue, data or use by you or any third party, whether in an action in
contract or tort or based on a warranty. There may be other exceptions to our liability as stated
in your depository or credit agreement and as provided by applicable law.

Periodic Statements

You will be mailed periodic statements for your account(s) as regularly provided for in
the depository or credit agreement applicable to your accounts. Your statements will reflect
any transfers or bill payments you authorize using the Services.

Interruptions in Services

You can use the Services seven days a week, twenty-four hours a day, although
occasionally some or all services may not be available due to emergency or scheduled system
maintenance. We may also change the scope of our Services from time to time. We will attempt to
provide prior notice of such interruptions and changes but cannot guarantee that such notice
will be provided.

Alterations and Amendments

The terms of this Agreement, along with applicable fees and services charges, may be
altered or amended by us from time to time. In such event, you will be required to accept any
changes or amendments the first time you log in to your online banking account after the
changes or amendments have taken effect. Any use of the Services after accepting the
changes or amendments will constitute your agreement to such change(s), which will become
effective immediately. If you do not agree to the change or amendment, you must discontinue use of
the Services to which the change or amendment relates, or cancel your access to the
Services. Further, we may, from time to time, revise or update Services and related written
material and may render all prior versions obsolete. Consequently, we reserve the right to
terminate this Agreement as to all such prior versions of the Services and/or related written
material and limit access to the Service’s more recent revisions and updates. You acknowledge and
agree that changes to fees applicable to specific accounts are governed by the
applicable deposit agreements and disclosures.

Termination or Discontinuation

In the event you wish to discontinue the Services, you must contact Decatur County Bank
in writing at the following address: Decatur County Bank Attn: Bookkeeping Department, P.O.
Box 429 Decaturville, TN 38329. You agree that we can terminate or limit your access to
Services for the following reasons: (1) Without prior notice, if you have insufficient funds in
any one of your accounts; Services may be reinstated, in our sole discretion, once
sufficient funds are available to cover any fees, pending transfers and debits; and (2) Upon
reasonable notice, for any other reason in our sole discretion, including without limitation breach
of the agreement and abuse of the Services.

Assignment

You may not assign this Agreement to any other party. We may assign this Agreement to
any future, directly or indirectly, affiliated company. We may also assign or delegate
certain of our rights and responsibilities under this Agreement to independent contractors or
other third parties.

Confidentiality

We will disclose information to third parties about your account or the transfers you
make in accordance with the privacy policies of Decatur County Bank/West Tennessee Bank: (1)
Where it is necessary for completing transfers; or (2) In order to verify the existence
and condition of your account for a third party, such as a credit bureau or merchant; or (3)
In order to comply with government agency or court orders; or (4) If you give us your
written permission.

Miscellaneous

This agreement is subject to applicable federal laws and the laws of the State of
Tennessee. If any provision of this Agreement is held invalid, illegal, or unenforceable, the
validity, legality or enforceability of the remaining provisions shall in no way be
affected or impaired thereby.

Member FDIC

6/2014
Online Banking Customer Agreement and Disclosure