South Georgia Banking Company...Customers. Community. Commitment.

At South Georgia Banking Company the basis of each customer relationship is trust. You have chosen to do business with South Georgia Banking Company, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.

We recognize your right to privacy at South Georgia Banking Company; we recognize you have a right to expect your personal financial information to remain private and secure. We will maintain standards to ensure that your information is private and secure at all times.

Information about consumers is accumulated from a variety of sources. Some information is provided to South Georgia Banking Company as a function of providing a product or service to a customer. Still other information is obtained from outside sources. We will limit the use and collection of information about customers to that which is necessary to administer our business, provide superior service, and offer opportunities that we think will be of interest to customers. This means that we will use information to help us identify and mitigate potential risks or loss to South Georgia Banking Company. We will use information to help identify additional products or services that we believe customers will want to know about. We will use this information only in accordance with the principles set out in this policy.

We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

All South Georgia Banking Company employees are educated on the importance of maintaining privacy with customer records. Employees are educated on the importance of maintaining the confidentiality of customer records and on these Privacy Principles. Because of the importance of these issues, all South Georgia Banking Company employees are responsible for maintaining the confidentiality of customer information and employees who violate these Privacy Principles will be subject to disciplinary measures.

South Georgia Banking Company is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standard.

We do not reveal specific information about your accounts or other personally identifiable data to parties outside our affiliated banks and companies for their independent use unless: 1) You request or authorize it; 2) The information is provided to help complete a transaction initiated by you; 3) The information is provided to a reputable credit bureau or similar information reporting agency; or 4) The disclosure is otherwise lawfully permitted or required (e.g. Subpoena, investigation of fraudulent activity, request by a regulator, etc.). We do not provide account or personal information to non-South Georgia Banking Company companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

We may disclose the following information to companies that perform marketing services on our behalf: Information we receive from you on applications or other forms, such as your name, email address and birth date.

When the bank conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

South Georgia Banking Company recognizes and respects the privacy expectations of our customers. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions regarding this policy or privacy of customer information, please contact us at 229-382-4211. You may also mail questions or comments to: