The Park Avenue Bank's Privacy Notice
to Our Customers

The Park Avenue Bank is concerned about guarding your privacy. We do not give out any non-public personal information about our customers or former customers except as permitted or required by law.

We gather this information about you from the following sources:

• Information we receive from you on applications or other forms;
• Information from your account with us or others; and
• Information we receive from consumer- reporting agencies.

The Park Avenue Bank is a wholly owned subsidiary of PAB Bankshares, Inc.

Our employees have access to personal information about you only if they need to know that information to provide products or services. We have physical, electronic, and procedural safeguards in place that meet with Federal standards to guard your personal information. We follow strict standards for protecting our customers' privacy by use of Employee Code of Conduct, Privacy Procedures and procedures for Safeguarding Customer Information.

If you should have any questions regarding The Park Avenue Bank's plan to protect
your privacy, please let us know. You may call us at: 1-229-241-2797.