Privacy Protection Policy
Community Bankshares, Inc. and its affiliates and divisions are committed to protecting your privacy. As a financial institution, we know that your trust in us is of major importance. This policy discloses our information use policies and practices in detail.

The contents of this policy apply to Community Bankshares, Inc.'s customers that obtain financial products and services primarily for personal, family and household purposes. If Community Bankshares, Inc. changes it's information practices, we will provide you notice of any material changes.

Information We Collect About You
We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other formsInformation about your transactions with us, our affiliates, or others
  
• Information we receive from a consumer-reporting agency
  
• Public sources such as federal, state or local records
  

No Disclosures Outside of Exception
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. We are permitted under law to share information about our experiences or transactions with you or your account with our affiliates. In addition, we may disclose the following information to companies that provide products and services necessary to effect, administer or enforce a transaction that a customer requests or authorizes, such as:

• Information we receive from you on an application such as: your name, address, social security number, assets and income
  
• Information about your transaction with us, our affiliates or others, such as your account balance or payment history
  
• Information we receive from a consumer credit reporting agency, such as creditworthiness
  

Confidentiality and Security
We restrict access to nonpublic personal information about you only to those employees who need to know the information in order to provide products or services to you.

We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. These standards exist for both our physical facilities and our online services. We educate our employees about the importance of confidentiality and customer policy.

If you have any questions regarding this policy, you can call the Privacy Officer at 720-529-3310
or email us at, privacy@cobnks.com

You can also write us at Community Bankshares, Inc.
5570 DTC Parkway, Greenwood Village, CO 80111

Revised 08/09