First National Bank of Georgia
FOR CONSUMER OR HOUSEHOLD PURPOSES ONLY
THIS NOTICE IS FOR YOUR INFORMATION. NO RESPONSE IS REQUIRED.
Privacy Notice To Our Customers
At First National Bank of Georgia, protecting the privacy and confidentiality of your personal information is important to us. We value your business and the trust you put in First National Bank of Georgia. To offer you the financial products and services you seek, we collect, maintain, and use information about you on a routine basis. To help you better understand how your personal information is protected here at First National Bank of Georgia, we are providing you with the following statement describing our practices and policies with respect to the privacy of customer information. First National Bank of Georgia will provide notice of our privacy policy annually, as long as you maintain an ongoing relationship with us. In the event you terminate your customer relationship with us, or become an inactive customer, we will continue to adhere to the policies and practices in this notice.
Information We Collect
If you apply for a loan or a new account we ask you to provide personal information. As a trusted financial institution, we collect, retain, and use nonpublic personal information about individual customers, as allowed by law, to provide products and services to our customers. We may collect nonpublic personal information from such sources as:
- Applications or other forms;
- Information about your transactions with us, our affiliates, or others;
- Information we receive from a consumer reporting agency; and
- Information that we receive in response to requests we make to third parties about you or to confirm information that you have provided to us, particularly in the process of evaluating applications for loans and new accounts.
Who Receives Information And Why
We do not disclose any nonpublic information about our customers, or former customers, to anyone, except as permitted by law. We may exchange such information with our affiliates and certain nonaffiliated third parties (under limited circumstances) to the extent permissible under law to service your account, offer you products or services we believe you may find valuable, report to credit bureaus, manage risk, and other financial service related activities.
Information We Share
We may disclose the following kinds of nonpublic information about you as permitted by law:
- We may disclose information that we receive from you on a credit application such as your name and address;
- We may disclose information that we receive from you on an application such as deposits or loans that you have with other financial institutions, or your employment;
- We may disclose information that we receive from you on an application such as existing loan balances to be paid from our loan proceeds;
- We may disclose information that we receive from processing your accounts with us; and
- We may disclose information that we have about you, such as your name and address with third parties with whom we have joint marketing agreements for the sale of insurance.
Service Providers/Joint Marketing Partners
To provide our customers with products or services that we believe may meet your financial needs, we may exchange limited nonpublic information about you to nonaffiliated firms that conduct marketing services on our behalf, including insurance companies, or with other financial institutions in order to offer financial products and services pursuant a joint agreement. Such information exchanged includes:
- Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income;
- Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, and credit card usage; and
- Information we receive from a consumer-reporting agency, such as information relating to your creditworthiness and credit history.
Confidentiality and Security of Your Information
It is the policy of First National Bank of Georgia to assure that the information we have about you is accurate. It is also the policy of First National Bank of Georgia that information we have about you is highly confidential and should only be available to persons who have a need for the information to properly service your account, act upon your request or to fulfill that person's job responsibility. First National Bank of Georgia has extensive security procedures that assure that our confidentiality policy is followed. Customer information is maintained in paper-based files and electronic databases. All paper-based files are kept in a controlled environment such as locked cabinets and vaults. We restrict access to every file that bank personnel may need in order to obtain information in the file to properly carry out his or her job responsibility. The bank's automation systems have a complex set of passwords, user identifications and terminal identification that limits each employee's access to information in the systems to that information that he or she requires to properly carry out his or her job responsibility. In addition, First National Bank of Georgia has a complex security system surrounding its automation systems to assure that access by unauthorized persons is prevented.
