MidSouth Bank "DO-NOT-CALL" POLICY

Midsouth Bank is committed to honoring the requests of its current and prospective customers. In support of this commitment and pursuant to regulations set forth by the Federal Communications Commission ("FCC"), the Bank's Board of Directors has adopted the following policy. This policy statement is being provided to our customers.

• MidSouth Bank maintains a record of the name and contact telephone number for consumers who do not wish to be called. If you do not wish to receive telemarketing and/or telephone solicitation calls from the Bank you should complete this form and return it to the Bank at the address provided. You may also call us at the telephone number below or submit an e-mail communication to the e-mail address below indicating your desire to be placed on the "do-not-call" list. Any e-mail communication to you confirming receipt of your "do-not-call" request will not be deemed to have violated this policy.
  
• Our "do-not-call" records are maintained for at least five (5) years, so those consumers will not be burdened with periodic calls to renew a "do-not-call" request.
  
• When a request is received from a consumer not to receive telemarketing and/or telephone solicitation calls from the Bank, necessary steps are taken to make a record of the request, which includes the consumer's name and telephone number. The Bank will honor a consumer's "do-not-call" request within a reasonable time from the date that such a request is made. As telemarketing and/or telephone solicitation may already be in progress at the time of a consumer's request, processing such a request may take up to thirty (30) days from the date of the consumer's initial request. For the purpose of this policy, the term "telemarketing" means the initiation of a telephone call or message for the purpose of encouraging the purchase and/or rental of, or investment in, property, goods, or services, which are transmitted to any consumer by the Bank and its subsidiaries. For the purpose of this policy, the term "telephone solicitation" means the initiation of a telephone or message for the purpose of encouraging the purchase and/or rental of, or investment in property, goods, or services, which are transmitted to any consumer but such terms does not include a call or message:
  1. (i) to any person with that person's prior express invitation or permission; or
  2. (ii) to any person with whom the caller has an established business relationship.
  
  
• Any personnel involved with telemarketing and/or telephone solicitation with the Bank are trained, informed, and directed to comply with the Bank's "do-not-call" policy.


• Consumers must inform the Bank of any changes in name or phone number if they move or wish to place a new telephone number on the Bank's "do-not-call" policy.


• Consumers must inform the Bank if there is more than one telephone line and/or number that needs to be removed. Each line and/or number must be provided to the Bank to ensure that it will be removed.

Approved by the Board: July 28, 2006

• This policy does not cover independent third parties, who may, on their own initiative, conduct telemarketing and/or telephone solicitation to solicit consumers for Bank's products or services.

The Bank intends to comply with all federal and state do-not-call laws and regulations. If you have any questions or comments regarding the Bank's "do-not-call" policy, you may also contact:

Debbie Marsteiner
615-278-7157
Debbie.Marsteiner@midsouthbanking.com