Piedmont Federal Bank Digital Privacy Policy

This Digital Privacy Policy describes the personal information Piedmont Federal Bank ("Piedmont," "we," or "us") collects about you, how we use or disclose your information, your rights related to your personal information, and how we secure your information. This Digital Privacy Policy applies to personal information collected, used, or shared by us or on our behalf, including information collected through our website at www.piedmontfederal.bank (the “Site”), by email, or anywhere else we display this Digital Privacy Policy (collectively, the “Services”). By using or interacting with the Digital Services, you accept and consent to the terms of our Digital Privacy Policy in effect at the time of your use or visit.

Personal information is information that directly or indirectly identifies you or can be used to identify you as an individual. We collect information in the following ways:

1. Information You Provide: Depending on how you interact with the Site or Digital Services, we may collect certain information you choose to provide to us. For example:

• General Information: When you register for Digital Services, communicate with us, or use certain other features of the Site or Digital Services, you may provide general contact and demographic information, such as your name, mobile telephone number, email address, postal or physical address, or your business name and company contact information.
• Account Information: In addition to the General Information noted above, we may also collect information from applications such as your date of birth, income, employer, Social Security number, state-issued ID, username, password, and other information necessary to provide our banking services to you or your business. Please also refer to our Privacy Notice for additional disclosures and rights that apply to our banking customers.
• Financial Planning Tools: From time to time, we may provide financial planning tools on the Site, which you can use to help make financial decisions from the comfort of your home. When you use these financial planning tools, we will not capture any of your personal information for our use; if we do so, we will let you know.
• Information You Relay: We may also collect personal information you choose to provide to us via email, our phone system, or any other communications you make. Please remember that when you send electronic mail over the Digital, that email is not necessarily secure against interception. When selecting "Contact Us by Email," you should only send information that is of a non-sensitive and non-confidential nature. If the information you wish to convey to us is of a very sensitive nature (such as your bank account number, Social Security number, etc.), you should convey it to us through Online Banking by selecting "Account Services," then "Messages" to send a secure email.
• Location Services: Verify your identity and/or location (or the identity or location of your authorized representative) for security, fraud prevention and other risk control purposes.

Please also note that we will never ask you to confirm your account number, password, PIN, or other personal information via email. We may call you directly with questions to update or verify account information or to clarify information if you are applying for a loan. In these cases, our employees will introduce themselves by name and give you a specific reason for the request.

2. Information Collected Automatically:

• We may use “cookies” (small elements of data that are stored directly on the computer you are using) on some pages of our Site for the purpose of customizing your experience on the Site and serving you better when you return to our Site. For example, the data collected from cookies helps us determine how many people visit certain pages of the Site and how we can customize your sessions and helps us to improve our Site design and content. This includes information referenced for advertising and marketing, website analytics, and other online tracking.
• You can adjust your browser settings to disable or reject cookies, but if you disable all cookies, you may be unable to access all functionality of the Services.
• The Site also uses analytics tools such as Google Analytics, a web analytics service provided by Google, Inc. that uses cookies to help us analyze how users navigate the Site. The information generated by this tool (including IP address) will be transmitted to and stored by Google in aggregate form and used to evaluate the use of the Site, compile reports on Site activity, and other services relating to Site usage. You can learn more about Google Analytics and how to opt out here.

We use your personal information for our business and commercial purposes, including to:

• Provide our products or services, including the Site and Services, and related customer service.
• Respond to your questions or requests, deliver information about our products and services or promotions that may be of interest to you, or otherwise communicate with you.
• Enhance our products, services, and the Site and Services.
• Prevent fraud and protect the security of our systems and Services.
• Register you as an account holder or customer.
• Conduct research and analysis related to our operations and product development.
• Comply with law and law enforcement requirements or to protect the legal rights or health or safety of our customers, employees, or others.
• Troubleshooting and debugging.
• Personalizing digital and mobile experiences.
• Institutional risk control.

For the purposes noted above, we may share your information with:

• Our affiliated entities for business operations and to send you information about products or services that may be of interest to you.
• Service providers that help us operate our business, including communications platforms, marketing and advertising providers, web-hosting services, and similar third-party providers.
• A successor entity, to which we reserve the right to sell, rent, disclose, or transfer your personal information, in the event of a corporate merger, consolidation, sale of assets, or other corporate changes to Piedmont or our affiliated entities.
• Other third parties as necessary to protect our legal interests, rights, or property (including attorneys, accounts and auditors); to comply with or satisfy any law, regulation, or governmental request; to avoid liability; or to protect our rights or property or the health or safety of others.
• Consumer reporting agencies and insurance rate advisory organizations.
• Persons holding a legal or beneficial interest.

You can choose not to give us your personal information, but in some cases, we will not be able to provide our products or services or respond to your questions or requests without certain information. You also have the following rights and choices about your information and engagement with the Services:

• Communication Preferences: You can adjust your communication preferences with us at any time by contacting us using the contact information at the bottom of this Privacy Policy. You can also request to be removed from our marketing emails by clicking the “unsubscribe” link in our email messages.
• Updates to Your Information: You can correct or update your information through your online account or by contacting us using the contact information at the bottom of this Privacy Policy.
• Restrictions: You can adjust your device settings or cookies to limit the collection of personal information. You can turn off push notifications and location services.
• Location Information (Mobile Application): If you have enabled location services on your mobile device and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the mobile application is closed or not in use to for example, provide information to our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your mobile device.
• Opting Out of Location Tracking (Mobile Application): If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the mobile application.

The Site does not currently respond to browser based “Do Not Track” signals.

Piedmont Federal Bank is in the United States. Our Services and the Site are not targeted at individuals outside the United States. If you are visiting the Services from outside the United States and provide us with personal information, please note that your information will be accessed, transferred, stored, and processed by Piedmont Federal Bank in the United States where the data protection laws may differ from those in the country where you are located. By doing business with or interacting with our Services, you acknowledge and agree to the transfer of your personal information to the United States and understand that such information will be stored and processed in accordance with this Privacy Policy and the laws of the United States.

We use physical, administrative, and technical safeguards designed to protect your personal information from unauthorized access, use, or disclosure. However, because no measure is ever 100% effective when transmitting information over the Digital, we do not guarantee that your information will be secure from theft, loss, or unauthorized access.

Our Site is not designed to market to or for use by children under the age of thirteen (13). If we learn we have inadvertently collected personal information from anyone under the age of 13, we will delete it. If you believe we have collected personal information from someone under age 13, please contact us using one of the contact methods indicated in the “Contact Us” section below. We subscribe to the practices under the Children’s Online Privacy Protection Act.

Our Site may provide links to other non-Piedmont Federal companies such as credit bureaus, local merchants, or social media platforms. Please be aware that when you choose to use a link to visit another site, we are not responsible for the content or privacy practices of such other site, and you are then subject to the security and privacy policy of that site. When providing information on those sites, we strongly encourage you to check their security and privacy policies. Piedmont Federal is not responsible for the privacy, security, accuracy, or reliability of the information on these sites.

Pursuant to California Civil Code § 1798.83, California residents with whom we have a business relationship can request information about the types of personal information, if any, we shared with third parties for the direct marketing purposes of the third parties and the identities of the third parties with whom we shared such information in the last 12 months. We do not share your personal information with third parties in this manner and have not done so in the last 12 months. You may request more information by contacting us using the contact information at the bottom of this Privacy Policy.

If you have questions regarding our Privacy Policy, please contact us at (336) 770-1000 or mail your questions to 201 S Stratford Road, Winston-Salem, NC 27103.