Privacy & Security

FACTS	WHAT DOES WACCAMAW BANK DO WITH YOU FINANCIAL INFORMATION
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 and Account Balances Credit History and Credit Scores Income and Transaction History
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 Waccamaw Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Waccamaw Bank share?	Can you limit this sharing?
For our everyday business purposes — such as to process your transaction, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes — to offer our products and services to you	Yes	Yes
For joint marketing with other financial companies	Yes	Yes
For our affiliates' everyday business purposes — information about your transactions and experiences	No	We don't share
For our affiliates' everyday business purposes — information about your creditworthiness	No	We don't share
For nonaffiliates to market to you	No	We don't share

To limit our sharing	Call us at 877.202.1720 — our menu will prompt you through your choice(s) Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent you this notice. When you are no longer our customer, we continue to share this information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call us at 877.202.1720; or Write us at: Waccamaw Bank, Privacy Compliance, PO Box 2009, Whiteville, NC  28472; or Send us an email at: waccamaw@waccamawbank.com

Who we are
Who is providing this notice?	Waccamaw Bank, which is owned and controlled by Waccamaw Bankshares, Inc., a financial holding company.
What we do
How does Waccamaw 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 maintain and grant access to customer information only in accordance with our internal security standards.
How does Waccamaw Bank collect my personal information?	We collect your personal information, for example, when you: apply for a loan or use your credit or debit card make deposits or withdrawals from your account or provide account information give your income information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all my sharing?	Federal law gives you the right to limit only: sharing your 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 additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choice will apply to everyone on your account — unless you tell us otherwise.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Waccamaw Bank has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Waccamaw Bank does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliate financial companies that together market financial products or services to you. Our joint marketing partners include companies such as insurance companies and financial product or service marketing companies.
Other important information