As our customer you provide us with important Information about yourself. We believe it is our responsibility to safeguard your personal and financial information, and we recognize and respect the privacy and security expectations of our customers. We are committed to keeping your personal and financial information confidential and will share it only as described in this Policy or as allowed by law.

This Privacy Policy describes how we collect and use your personal information and how we maintain the confidentiality and accuracy of such information. This disclosure applies to our former customers as well as existing customers.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Bartow County Bank.

This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers: • Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n): • Deposit account • Loan account • Safe deposit box • Self-directed Individual Retirement Account

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms: Nonpublic personal information means financial information that relates specifically to you and that is not available from a public source (such as government records, phone books, or widely distributed media). For example, the fact that you have a deposit account with us and the balance of that account, is nonpublic personal information. In contrast, the fact that you have a mortgage loan with us would not be nonpublic personal information if your loan is secured by property that is located in any county or state where mortgage loans are recorded in government records.

An affiliate is a company we own or control, a company that owns or controls us or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an “other party.”

THE INFORMATION WE COLLECT

We collect and maintain various types of information about our customers, including:

• Identifying information, such as social security numbers, driver’s license numbers, account numbers, names, addresses, and personal identification numbers (PIN’s) and passwords.
• Information regarding your creditworthiness and capacity, such as employment status, income, and information on your assets and liabilities that you provide to us in your applications.
• Account activity information, such as deposit balances, loan balances and transaction histories with us.
• Information about your transactions and experiences with us, such as your payment or overdraft history.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

Disclosures to Nonaffiliated Third Parties. We may disclose information about you, including nonpublic personal information, to nonaffiliated third parties (persons who are not our affiliates) as described below. You do not have the right to opt out of this sharing of information.

• Disclosure to service providers. We may disclose all of the information we collect, as described above to companies that provide services for us, such as ATM providers, printing companies, check printers, loan processors or servicers, and mail processing companies. We require that these service providers maintain the confidentiality of your information and that they use the information only for the purposes for which we have provided it.
• Disclosure for marketing purposes. We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf.
• Additional marketing disclosures. We also may share the following information about you with financial institutions with whom we have joint marketing agreements:
  • Your name, age, address, and telephone number; Information about your transactions and experiences with us; Information on your types of accounts with us; and Information on your deposit and loan balances with us.
• We share this information so that we and these other companies with whom we have joint marketing agreements can provide you with information about additional products and services. We require that these financial institutions maintain the confidentiality of your information and that they use the information only for the purposes for which we have provided it. “Financial institutions” include banks, savings associations, other lenders, insurance agents and companies, securities broker-dealers, and other companies providing financial products or services.
• Disclosure for legal requirements. We may use all of the information we collect, as described above, to satisfy legal requirements. For example, we will use your social security number for income tax reporting purposes. We also will share your nonpublic personal information with government agencies and legitimate investigators as required or allowed by law, including in order to comply with applicable government reporting or legal process (such as court orders, subpoenas, or government requests) which we reasonably believe to be valid or required.
• Disclosure to consumer reporting (credit reporting) agencies. We may disclose information relating to our transactions or experiences with you to consumer reporting agencies and similar organizations.
• Disclosure with your consent. We may disclose the information that we collect, as described above, to any person when you have provided your written consent for us to do so, including when you give someone a power of attorney or other authorization to act on your behalf.
• Disclosure to joint applicants, guarantors and joint accountholders. We may disclose information about your loans or accounts with us, and your transactions or payments with respect to such loans or accounts, to persons who jointly own such accounts or who are your co-borrowers or guarantors. We also may disclose information concerning your credit history to persons who are co-applicants with you, but only if we find it necessary to decline your application or to later take an adverse action with respect to your loan or account.
• Account numbers, PIN's, access codes. In no event will we share your account numbers, PIN’s or similar access codes to third parties for any marketing purposes without your authorization.

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