At First Southern State Bank, keeping your personal information secure is important to us and we value your trust. Our Online Privacy Policy describes how information is collected by and through our website, mobile applications (Apps) and how that information may be used and shared. This Online Privacy Policy is intended to supplement the disclosures in any Privacy Policy that you may have already been presented by us in connection with online banking or other services.

The Types of Information We Collect

Through your use of the Services, we may collect personal information from you in the following ways:

1. Personal Information You Provide to Us.
   • We may collect personal information from you, such as your first and last name, address, e-mail, telephone number, and social security number when you create an account.
   • We will collect the financial and transaction information necessary to provide you with the Services.
   • If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply.
   • We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services.
2. Personal Information Collected from Third Parties. We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.
3. Personal Information Collected Via Technology. We and our service providers may automatically log information about you, your computer or mobile device, Online Privacy Policy and your interaction over time with our Services, our communications and other online services, such as:
   • Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, network information (e.g., WIFI, LTE, 5G), and general location information such as city, state or geographic area.
   • Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.
   • Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.
   • Local storage technologies, like HTML5 and Flash, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.
   • Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.
   • Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect your location information when you use the Services; for example, to provide 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 device.

How We Use Your Information Collected in the App

1. General Use. In general, we use your personal information collected through your use of the Services to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. We use your personal information, in connection with the App, in the following ways:
   • facilitate the creation of, and secure and maintain your account;
   • identify you as a legitimate user in our system;
   • provide improved administration of the Services;
   • provide the Services you request;
   • improve the quality of experience when you interact with the Services;
   • send you administrative e-mail notifications, such as security or support and maintenance advisories; and
   • send offers, and other promotional materials related to the Services.
2. Compliance and protection. We may use your personal information to:
   • comply with applicable laws, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities;
   • protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims);
   • audit our internal processes for compliance with legal and contractual requirements and internal policies;
   • enforce the terms and conditions that govern the Service; and
   • prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft.
3. Creation of Non-Identifiable Data. The App may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non-identifiable information to third parties in our discretion.

Additional Information Requested by Mobile App

Please take a moment to read and understand what personal information your banking app might collect under certain circumstances and how this information is used.

First Southern State Bank Mobile Application may requests access to information stored on your device such as location, camera, contacts, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account.

It is important for you to understand that:

• Before granting access to this information, you will be prompted to give the application that permission.
• If you do not wish to grant that permission, you may decline.
• If you later change your mind, those permissions can be updated in your device’s settings.

Some possible examples of information your app may request access to are:

• Location: Your location is used to prevent fraudulent activity and to display locations near you.
• Contacts: Allowing access lets you add contacts to use with features that allow you to send money via your mobile app. We will only add the contacts you choose and that information will not be shared.
• Camera: This app uses your camera to capture check images, take picture of receipts, scan ID, scan authorized QR codes and to conduct video chat