We are confident in our system's ability to protect all transactions; however, this is not an invitation for people to attempt unauthorized access to the system. This is a private computing system, which is restricted to authorized individuals. Actual or attempted unauthorized use of this computer system will result in criminal and/or civil prosecution. We reserve the right to view, monitor and record activity on the system without notice or permission. Any information obtained by monitoring, reviewing or recording is subject to review by law enforcement organizations in connection with the investigation or prosecution of possible criminal activity on the system. If you are not an authorized user of the system or do not consent to continued monitoring, exit the system at this time.

Privacy Policy

Rev. April 2017

Facts	WHAT DOES NORTH GEORGIA NATIONAL BANK DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with use. This information can include: Social Security Number and Income Account Balances and Payment History Credit History and Credit Scores When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons North Georgia National Bank chooses to share; and whether you can limit the sharing.

Reasons we can share your personal information	Does North Georgia National Bank share?	Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our Marketing purposes - to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We Don't Share
For our affiliates' everyday business purposes - information about your transactions and experiences	No	We Don't Share
For our affiliates' everyday business purposes - information about your creditworthiness	No	We Don't Share
For our non-affiliates to market to you	No	We Don't Share

Questions? Call (706) 629-6499 or got to www.ngnb.net

What We Do
How does North Georgia National Bank protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does North Georgia National Bank collect my personal information?	We collect your personal information, for example, when you open an account or deposit money pay your bills or apply for a loan use your credit or debit card We also collect your information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates' everyday business purposes - information about your creditworthiness affiliates from using your information to market to you sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial or non-financial companies. North Georgia National Bank has no affiliates
Non-affiliates	Companies not related by common ownership or control. They can be financial or non-financial companies. North Georgia National Bank does not share with non-affiliates so they can market to you.
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. North Georgia National Bank doesn't jointly market.

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.

Social Media Terms of Use and Community Guidelines

Updated January 21, 2022

PUBLIC USAGE

The social media pages of North Georgia National Bank are all public pages. Anyone can see your posts, comments, or responses on these pages. Furthermore, your posts and comments can potentially show up in search-engine results, such as Google or Bing. North Georgia National Bank reserves the right to remove any comments and posts from our pages that are derogatory, hurtful, or do not accurately reflect the image or the bank according to our standards and guidelines. When you post, comment, or visit on any of North Georgia National Bank’s social media pages, we ask that you follow the guidelines outlined below:

Be respectful of others.
Never post personal or confidential information.
Never ask questions or communicate in regards to your account or loans with NGNB.
Do not post any content that is inflammatory, offensive, or abusive.
Do not post any fraudulent content.

Out of an abundance of caution for the safety, privacy, and security of our customers, North Georgia National Bank does not service account-specific requests through social media platforms. If you are a current or future customer of the Bank and have a question regarding an account, please give us a call at 706-629-6499 or swing by one of our branches and speak with a Relationship Banker today.

POSTS AND COMMENTS

Engagements exchanged on North Georgia National Bank social media pages should be respectful and polite. The Bank reserves the right to delete messages, posts, or comments that are deemed unacceptable, including, but not limited to:

Links containing viruses, spam, malware, spyware, or similar programs that could harm a user’s computer.
Misleading, false, inaccurate, or libelous comments.
Discriminatory or hate speech regarding age, race, gender, religion, disability, nationality, etc.
Defamatory, abusive, derogatory, or inflammatory language, stalking or harassment, threats, personal attacks, etc.
Inappropriate, obscene, profane, disruptive, and/or unrelated commentary.
Sexually explicit or indecent commentary of any kind.

Additionally, North Georgia National Bank social media platforms are all moderated by North Georgia National Bank employees. North Georgia National Bank will make every effort to respond to your comment or message in a timely manner; however, we cannot guarantee that we will reply to every comment, every time. All posts and comments will be reviewed for the purpose of ensuring that they comply with our policies and standards. North Georgia National Bank reserves the right to delete any comments, posts, or messages that we deem inflammatory, abusive, inappropriate or otherwise. Do not post any material that you do not have the right to transmit under law (such as copyright, trade secret or securities) or due to your personal contractual or fiduciary relationships. The North Georgia National Bank social media pages are never to be used for the submission of any claim, demand, informal or formal complaint, or any other form of legal and/or administrative notice or process, or for the exhaustion of any legal and/or administrative remedy.

North Georgia National Bank reserves the right to ban any user from any of our social media pages without prior written notice or consent for violations of community policies. Any comment(s) posted that we deem to be criminal in nature, or instigates or implies violence towards oneself or another may be reported to the proper authorities.

The North Georgia National Bank social media pages are not to be used to report phishing or criminal activity. If you would like to make a report, please call us at 706-629-6499 and a Relationship Banker will be happy to assist you.

THIRD PARTY LINKS

The inclusion of any third-party link does not imply endorsement by North Georgia National Bank. The Bank has not reviewed all of the third-party sites linked to its social media platforms and is not responsible for the contents of any such linked site. Use of any such linked third-party web site is at the user's own risk. You understand that when going to a third-party web site, that site is governed by the third party’s privacy policy and terms of use, and the third party is solely responsible for the content and offerings presented on its website. As a follower of North Georgia National Bank managed social media sites, you consent to receive news, Bank information and other information by North Georgia National Bank that we think our followers will find useful. If at any time you wish to no longer receive information via North Georgia National Bank social media properties, you may utilize the platform’s privacy settings to un-like or un-follow North Georgia National Bank.

IDEA SUBMISSION STANDARDS

North Georgia National Bank does not consider or accept unsolicited ideas. Please do not submit any original material, ideas, enhancements, suggestions, or other items. North Georgia National Bank holds this policy and position to avoid potential misunderstandings or disputes when North Georgia National Bank’s services, products, marketing, or communication efforts might seem similar to ideas submitted to the Bank. If, despite our request not to send us your ideas and photographs, you still do, then regardless of what your communication states, the following terms shall apply to your idea and photograph submission.

TERMS OF IDEA SUBMISSION: You agree that: (a) your ideas and photographs will automatically
become the property of North Georgia National Bank, without compensation to you, (b) North
Georgia National Bank can use the ideas and photographs for any purpose and in any way, and
(c) any information or photographs you provide will be considered non-confidential.

PRIVACY AND SECURITY

In addition to following the established privacy policies of each social media platform, users are also subject to the Privacy Policy and Online Security Statement North Georgia National Bank has established. We ask that you never include personally identifiable information such as Social Security numbers, account numbers, addresses, birth dates, or any other identifying information. You should never disclose any of your financial information on any of North Georgia National Bank’s social media platforms, whether public facing or via direct message. North Georgia National Bank will never ask you to offer any of your personal or identifying information via any social media platform. North Georgia National Bank is not responsible for the privacy and security policies of the social media platforms in which we engage, and strongly encourage that you review the policies of each platform for yourself.

MEDIA INQUIRES

If you are a member of the media and have an inquiry regarding the Bank, please reach out to our Marketing Manager at pholloway@ngnb.net with your request. Thank you.

REVISION TO POLICY

Our Terms of Use and Community Guidelines are subject to change. North Georgia National Bank reserves the right to revise this policy at any time without notice. When a revision is made to our Terms of Use or Community Guidelines, we will revise the “Updated” date beneath the header of this policy. Any revisions or updates become effective immediately after the policy is published on our website. Your continued engagement with North Georgia National Bank social media platforms denotes that you accept the updated policy.

Accounts

Lending

Services