The directors, management, and staff of Century Bank of Georgia are concerned about and respect the privacy of customers’/consumers’ personal finance information. We understand that our customers furnish sensitive information to the bank in the course of daily business, and the bank is committed to treating such information responsibly. We know that our customers expect privacy and security for their personal and financial affairs.

The bank will take all the necessary steps to safeguard sensitive information that has been entrusted to us by our customers. The following privacy policy and disclosure outlines our bank’s practice regarding personally identifiable financial information for consumers and those consumers who become our customers.

Types of Information the Bank Collects

At Century Bank of Georgia we collect nonpublic, personal information about you from many sources, including the following:

• Information we receive from you on applications or other forms
• Information about your transactions with us, our affiliates, or others
• Information we receive from a consumer reporting agency

Nonpublic, personal information does not include that which is available from government records, widely distributed media, or government-mandated disclosures.

Types of Information the Bank Discloses

The bank does not now, nor does it intend in the future, to disclose any personal financial information to any nonaffiliated or affiliated third party. By law the bank may disclose certain personally identifiable information without allowing consumers the right to opt out of the bank’s sharing agreements in the following circumstances:

• To companies who perform transaction processing for the bank in the following circumstances:
  • If the transaction, service, or product is requested or authorized by the consumer
  • To maintain or service a consumer’s account as part of a private label credit card or other loan extension program
  • In connection with a securitization, secondary market sale (including servicing rights), or similar transaction related to a consumer
• To disclose information necessary to enforce the bank’s legal or contractual rights or the rights of any other person who is engaged in the financial transaction
• To disclose information required in the ordinary course of banking business, such as the settlement of claims or benefits, the confirmation of information to the consumer or the consumer’s agent, and the filling, processing, or clearing of items in the normal course of business
• To provide information to insurance rate advisory organizations, guaranty funds or agencies, agencies that are rating the bank, persons who are assessing the bank’s compliance with industry standards, and the bank’s attorneys, accountants, and auditors
• To the extent permissible under the Right to Financial Privacy Act
• To a consumer reporting agency under the Fair Credit Reporting Act
• To comply with federal, state, or local laws, rules, and other applicable legal requirements

Safeguarding Customer Information

At Century Bank of Georgia we protect consumer privacy by ensuring that only employees who have a business reason for knowing information have access to it. For example, only employees who work in the loan origination or loan operations departments can access information in loan files.

All employees have a copy of this policy and are trained at least annually regarding the importance of safeguarding customer information. The financial privacy coordinator, the human resources director, and the appropriate department manager will take disciplinary action against any employee who violates the bank’s privacy policy and procedures.

If we change our policy or practice by, for example, adding a category of information that we will disclose to a third party, we will notify existing customers and give them an appropriate time period to opt out of the disclosure.

What steps do I need to take to protect myself?

• Never disclose personal information such as social security, credit card, bank account, or personal identification numbers (PIN) to anyone who should not have access to your accounts.
• Immediately report lost or stolen checks or credit cards.
• Memorize personal identification numbers- don’t carry them in your wallet.
• Promptly review monthly financial statements and immediately report any discrepancies.
• Retain receipts from all ATM, debit and credit card transactions. When you’re ready to dispose of them, make sure your account number is not readable.
• Immediately sign new credit cards.
• Report any unusual telephone inquiries or other suspicious activity to your Telephone Company or local law enforcement.
• If you believe you have been a victim of fraud related to your Century Bank of Georgia accounts, notify us immediately so that we can take action to help you. Report the crime to your local law enforcement agency and to the Federal Trade Commission (FTC) at 1-877-438-4338 or www.consumer.gov/idtheft

Other information you may find helpful:

If you wish to limit direct mail and telemarketing offers from companies other than Century Bank of Georgia, you may contact Direct Marketing Association Preference Services. Please be sure to include your name, complete home address, signature, and for telephone service, complete home telephone number, including area code.

Telephone Preference Service The Direct Marketing Association P.O. Box 9008 Farmingdale, NY 11735-9008

Telephone Preference Service The Direct Marketing Association P.O. Box 9014 Farmingdale, NY 11735-9014

If you wish to limit the number of pre-approved credit solicitations that you receive, you may contact the National Opt-Out Center to have your name removed for two years from all of the major credit bureaus’ mailing lists. Call the National Opt-Out Center toll-free at 1-888-567-8688.