First Georgia Banking Company is committed to core values of soundness, quality, and integrity. As we work together to provide the broad range of products and services you want and need, we also remain focused on doing the right thing. You can rest assured that we do not sell customer information or customer lists to outside marketers.

INFORMATION WE COLLECT
The information we collect is limited to what we believe is necessary or useful to conduct our business; to administer your records, accounts and funds; to comply with laws and regulations, to help us design or improve products and services; and to understand your financial needs so that we can provide you with quality products and superior service.

We collect this information from the following sources:

Information we receive from you on applications or other forms, such as your assets, income and other debt.

Information about your transactions and experiences with us, our affiliates or others, such as your account balance, payment history, parties to transactions and credit card usage.

Information we receive from a consumer report, such as information regarding your credit worthiness or credit history.

Information we receive through our online services, such as information relating to Web site navigation, customer contact and optional surveys.

Information we receive from public records and market research, such as demographic information.

Information we obtain from outside sources relating to their employment, credit or other relationships with you, such as verification of employment history, loan or credit card balance or insurance coverage.

Information we have obtained at your request, such as aggregated information from multiple financial service providers.

Sharing With Companies That Work With Us
In order to conduct company business, and to offer products or services that may complement your relationship with us, we may share some or all of the information we collect with the following companies (including our affiliates):

Companies that perform services for us or on our behalf, such as vendors we hire to prepare account statements or to provide support for one or more of our products and services.

Companies that perform marketing services on our behalf or other financial institutions with which we have joint marketing agreements, such as insurance companies and credit card issuers.

These companies act on our behalf, and are contractually obligated to keep the information only for the purposes authorized.

Sharing in Other Situations
We may share some or all of the information we collect, as described above, as otherwise authorized or required under applicable law. This includes, for example, disclosures to credit reporting agencies; disclosures to process and service your requested or authorized transactions; disclosures in connection with recording deeds of trust, mortgages and other security instruments in public records; disclosures in connection with subpoenas or other legal processes; disclosures as part of fraud investigations; disclosures in connection with the sale of accounts to another financial institution; and disclosures pursuant to your authorization or consent.

Protecting Information About You
We restrict access to information about you to employees who need to know that information as part of their job responsibilities. We also educate our employees about the importance of confidentiality and customer privacy through standard operating procedures, special training programs, and our Code of Conduct. We take appropriate disciplinary measures to enforce employee privacy responsibilities.

First Georgia Banking Company also maintains physical, electronic and procedural safeguards to guard your information. We will continue to test and update our technology to improve the protection of your information.

Protecting Information About Former Customers
Our Privacy Pledge regarding the collection, use and disclosure of information about former customers is the same as our pledge to current customers.

Other Helpful Privacy Information
We Want to Maintain Accurate Customer Information
We have established procedures to keep your information current and complete. These procedures include responding to requests to correct inaccurate information in a timely manner. If you believe our customer records contain incorrect information about you, call or write to us at the telephone number or address listed on your account statement, bank records or other documentation, or visit our Web site at www.firstgabnk.com to send us a secure e-mail.

Miscellaneous Information
The First Georgia Banking Company Privacy Policy applies to individuals who obtain or have obtained from us a financial product or service that is used primarily for personal, family or household purposes.  The laws of some states may impose separate or additional requirements before the particular types of information about customers in those states can be disclosed.  The First Georgia Banking Company Privacy Policy is provided in compliance with applicable law and replaces all other notices, statements or agreements with respect to the same subject matter.