First National Community Bank
Privacy Policy

At First National Community Bank, the basis of each customer relationship, many that span generations, is trust. You have chosen to do business with First National Community Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that 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 policy outlined below.

We recognize your right to privacy at First National Community Bank. We recognize that you have a right to expect your personal financial information to remain private and secure at all times.

Information about customers is accumulated from a variety of sources. Some information is provided to First National Community Bank directly by the customers themselves on applications or other forms. Other data is developed by First National Community Bank as a function of providing a product or service to a customer. Still other information is obtained by outside sources like consumer-reporting agencies. We will limit the use and collection of information about our customers to that which is necessary to administer our business, provide superior service, and offer opportunities that we think will be of interest to our customers. This means that we will use information to help us identify and mitigate potential risks or loss to First National Community Bank. We will use information to help identify additional products or services, which we believe customers, might want to know about. We will use this information only in accordance with principles set out in this policy. We will adhere to the privacy policy and practices as described in this notice even if you decide to close your account(s) or become an inactive customer.

First National Community Bank has established procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable commercial standards. We also pledge to respond to requests to correct information in a timely manner.

At First National Community Bank, employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information and on this privacy policy. Because of the importance of these issues, all First National Bank employees are responsible for maintaining the confidentiality of customer information and employees who violate these privacy policies will be subject to disciplinary measures. First National Community Bank 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 standards.

When it comes to sharing customer information with unaffiliated companies, First National Community Bank places strict limits on who receives specific information about customer accounts or other personal identifiable data. First National Community Bank may share information with such companies if they provide a product or service that may benefit our customers. Whenever we do this, we carefully review the company and the product or service to make sure that it provides value to our customers. We share minimum amount of information necessary for that company to offer its product or service. We may disclose the following information to companies that perform marketing services on our behalf with which we have a joint marketing agreement:

• Information we receive from you on an application or other forms, such as your name, address, social security number, or account number.

We may also share information with unaffiliated companies when: they assist us in providing our products and services to our companies; in the normal course of our business (for example, with consumer reporting agencies and government agencies); it is legally required or permitted in connection with fraud investigations and litigation; in connection with acquisitions and sales; and at the request or with the permission of a customer.

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.

First National Community Bank recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. We will not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. As a result of our commitment, we have developed this privacy policy, which is made readily available to our customers. Customers who have questions about the privacy of their customer information should call First National Community Bank at 1-706-695-9646 or E-mail us at support@fnbcga.com