Financial companies and their service providers choose how they share your personal information.Federal law gives consumers the right to limit some but not all sharing.Federal law also required us to tell you how we collect, share, and protect your personal information.Please read this notice carefully to understand what we do.


The types of personal information we collect and share depend on the product or service you have with us. This information can include:

When you are no longer our customer, we may continue to share your information as described herein.


All financial companies need to share customer's personal information to run their business. In the section below, we list the reasons we share your personal information; the reasons Prevatek, Four Oaks Bank & Trust and our service providers (collectively, the "Companies") choose to share; and whether you can limit such sharing of information.

Reasons we share your personal information Do Companies share? Can you limit this Sharing
For our everyday business purposes-such as
To process your transactions, maintain YES NO
Account records, respond to court orders
And legal investigations, or report to credit
For our marketing purposes-to offer you
Our products and services to you YES NO
For joint marketing with other financial
Companies NO We don't share
For our affiliates' everyday business
Purposes-information about your
Creditworthiness NO We don't share
For nonaffiliates to market to you NO We don't share

Who we are

Who is providing this notice? - Prevatek Development LLC and Four Oaks Bank & Trust.

What we do

How do Prevatek Development and Four Oaks Bank protect my personal information? -To protect your personal information from unauthorized access and use, we use security measures that comply with applicable law. These measures include computer safeguards and secured files and buildings.

How do Prevatek Development and Four Oaks Bank collect my personal information? -We collect your personal information, for example, when you: Open an account, Transfer funds via Smart Deposit, Make an inquiry about a transaction.

Why can't I limit all sharing? -Federal law gives you the right to limit only: Sharing for affiliates' everyday business purposes information about your creditworthiness, Affiliates from using your information to market to you, Sharing for nonaffiliated businesses to market to you.

State laws and individual companies may give you additional rights to limit sharing


Affiliates - Companies related by common ownership or control. They can be financial and nonfinancial companies.Prevatek Development LLC and Four Oaks Bank do not share your personal information with our affiliates.

Nonaffiliates - Companies not related by common ownership to control. They can be financial and nonfinancial companies. Prevatek Development LLC and Four Oaks Bank do not share with nonaffiliated companies so that they can market to you.

Joint Marketing - A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Other than through Smart Deposit, Prevatek Development and Four Oaks Bank do not jointly market with nonaffiliated financial companies.