Privacy Policy

BancTrust Financial Group, Inc. (BTFG), and its affiliates consider our customers as our highest priority. So naturally, we want to protect the personal and financial information you've entrusted with us. For this reason, we would like to share with you the following privacy principles which serve as standards for all BTFG affiliates and employees in the collection, use, and security of customer information.

Privacy Principles

Recognition of a Customer's Expectation of Privacy.

BTFG and its affiliates recognize and respect the privacy expectations of our customers. We will maintain standards to ensure that your information is private and secure at all times.

Collection, Use, and Retention of Customer Information.

BTFG and its affiliates collect, use, and retain information about individual customers only where we believe it would be useful (and allowed by law) to administer business and to provide products, services, and other opportunities to our customers. We collect information about you only for specific purposes. We use information not only to administer your accounts but also to protect them. We also use information to understand your financial needs and design products and services that we believe will be beneficial for you. Information will be used only within the parameters established by our privacy principles.

Maintenance of Accurate Information.

BTFG and its affiliates have established procedures to ensure that a customer's financial information is accurate, current, and complete in accordance with reasonable commercial standards. BTFG and its affiliates will respond to requests to correct inaccurate information in a timely manner.

Limiting Employee Access to Information.

BancTrust Financial Group, Inc. (BTFG) and its affiliates limit access to personally identifiable customer information to those employees with a business reason for knowing such information. BTFG and its affiliates educate our employees so that they will understand the importance of confidentiality and customer privacy. BTFG and its affiliates will take appropriate disciplinary measures against employees who violate these privacy principles.

Protection of Information via Established Security Procedures.

BTFG and its affiliates maintain appropriate security standards and procedures to protect customer information from unauthorized access.

Restrictions on the Disclosure of Account Information.

BTFG and its affiliates will not reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use unless: 1) the information is provided to help complete a customer-initiated transaction; 2) the customer requests it; 3) the information is provided to a reputable credit bureau or similar information reporting agency; or 4) the disclosure is required by or allowed by law (e.g., subpoena, investigation of fraudulent activity.)

Maintaining Customer Privacy in Business Relationships with Third Parties.

If personally identifiable customer information is provided to a third party, BTFG and its affiliates will require the third party to adhere to similar privacy principles that keep such information confidential.

Maintaining Customer Privacy on the Internet.

BTFG's affiliates have web sites designed to allow you to access needed information about your accounts in a convenient but very secure format. Our affiliates' web sites, and any information stored on them, are protected from unauthorized access. Our Internet banking service provider maintains a secure environment with procedures detailed in the Security Issues section found on each affiliate's web site. Any customer transactions initiated through our Internet banking applications are also covered by the principles in our Privacy Policy. BTFG and its affiliates do not use "cookies," or any other means, to store confidential information on your computer or obtain information about you. Cookies are messages that a web server gives to your web browser in connection with your visit to a web site.

Disclosure of Privacy Principles to Customers.

BancTrust Financial Group, Inc. (BTFG) and its affiliates are committed to protecting your privacy. We want you to understand our commitment and what steps we have taken to ensure that your information remains confidential. Customers can view our Privacy Policy on BTFG's web site at www.banctrustfinancialgroupinc.com or any of the affiliates' web sites. You may also view our Privacy Policy by stopping by BTFG's corporate offices at 100 Saint Joseph Street, Mobile, Alabama, 36652, or any of the affiliates' locations.

If you have any general questions about privacy, please feel free to call BancTrust Financial Group, Inc. at (251) 431-7800.