	Main Office: 350 West Belmont Drive Calhoun, Georgia 30701 Telephone: (706) 629-6499 TeleBank: (706) 624-0888 Toll-free: (888) 355-6462

Privacy & Security Policy

North Georgia National Bank's Commitment to Protect the Privacy of our Customers

North Georgia National Bank respects the privacy expectations of our customers. The Bank maintains policies and procedures to safeguard your personal information. We take every precaution and utilize the most advanced technology to protect the integrity of your personal information. This commitment applies to our Internet banking service as well as our traditional banking services.

In this privacy notice to our customers, when we use the words "you" and "your" we mean the following types of customers:

All of our consumer customers who have a continuing relationship with us such as:

Deposit account
Loan account
Safe deposit box

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

Glossary of Terms

We, our, and us means North Georgia National Bank.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control, a company that owns or controls us, and 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 company that is not an affiliate of ours.

Collection of Information

All personal information collected and stored by the Bank is used for specific business purposes which enable us to administer your personal accounts and transactions.

We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications and other forms
Information about your transactions with us
Information about your transactions with nonaffiliated third parties
Information from a consumer reporting agency

We do not disclose any nonpublic information about you to anyone, except as authorized by law.

The Confidentiality, Security, and Integrity of your nonpublic personal information

We restrict access to nonpublic personal 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 that comply with federal regulations to guard your nonpublic personal information.

Nonpublic Personal Information and Nonaffiliated Third Parties

Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.

Nonpublic Personal Information and Former Customers

We do not disclose nonpublic personal information about former customers.

Online Security Statement

Your transactions are absolutely safe. North Georgia National Bank works with the most advanced technology partners to ensure that the most secure environment is made possible for our valued customers. You can be completely confident of the following security measures:

Secure Communications

Our system ensures that data exchanged between your PC and our computer is encrypted with the strongest encryption available. I we detect that data was added or deleted after you sent it to the Bank, the connection will be severed in order to guard against any tampering.

Secure Environment

Our computer system does not connect directly to the Internet. It is isolated from the network via a "firewall". A firewall is a combination of software and hardware products that designate parameters, and control and limit the access that outside computers have to the Bank's internal networks and databases. You can feel secure knowing that our firewall protects your personal information from unauthorized access.

Secure Login

User IDs and passwords are isolated from the Internet by being stored on North Georgia National Bank's computer. This insures that the passwords and IDs can never be accessed or downloaded by anyone on the Internet. Additionally, user passwords can vary from four to eight characters, which means the chance of randomly guessing a password is less than one in one billion!. The system also checks for invalid logins and automatically disallows a user after three invalid attempts. This prohibits the "hacker" from gaining access to our system, thus protecting your accounts.

Your Password

You will be responsible for maintaining one of the most important security measures: your password. When you receive your North Georgia National Bank's online banking password, be sure to keep it confidential. Memorize it, or write it down and keep it in a safe place. It is not recommended you carry your password in your purse or wallet. Make sure no one watches you enter your password and always close your browser when leaving the computer. Make sure you regularly scan your computer for viruses that could be used to capture password keystrokes. You ultimately hold the key to your password security. Not even a bank employee has your password.

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North Georgia National Bank does not provide and is not responsible for products and/or services offered though third party sites which may be linked herein.