We value each and every customer relationship. Our customers have entrusted us not only with their finances, but also with their personal information. To protect and maintain this relationship, we have enacted a set of eight privacy principles to maintain the confidentiality of the information you've shared with us.

1. We recognize your right to privacy.

At The Geo. D. Warthen Bank, we recognize that 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.

2. How we use, collect and retain information about you.

Your relationship is important to us and we're committed to providing you with the best service possible. To do that, we gather information from a variety of sources to keep you informed about the many financial services, products, and benefits available to you as a The Geo. D. Warthen Bank customer - and to provide you the ability to mange your finances most effectively. For example, we collect information from the following sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us or others; and
• Information we receive from a consumer reporting agency.

If you end your customer relationship with us or become an inactive customer, we will treat the information we have about you as if you were still our customer.

3. We will maintain accurate information about you.

The Geo. D. Warthen Bank has established procedures to ensure that your information is accurate, current and complete, in keeping with reasonable commercial standards.

If you believe that any information retained or furnished by our bank is inaccurate, please call us at (478)552-6901. We will investigate the problem and take appropriate action in a timely manner.

4. We will limit employee access to your information.

At The Geo. D. Warthen Bank, employee access to your personal 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 these Privacy Principles. Because of the importance of these issues, all The Geo. D. Warthen Bank employees are responsible for maintaining the confidentiality of customer information and employees who violate these Privacy Principles will be subject to disciplinary action.

5. We will maintain a security program to protect your information.

We will maintain a security program - which includes physical, electronic, and procedural safeguards in compliance with federal regulations - to prevent unauthorized access to your personal information.

6. Restrictions on disclosing your information to outsiders.

We pledge not to reveal specific information about your accounts, or other information that will personally identify you, to those outside The Geo. D. Warthen Bank organization for their independent use, unless:

• the information is necessary to effect, administer or enforce a transaction you requested;
• you request or authorize that the information be revealed;
• the disclosure is required or permitted by law; or
• we have informed you that this information may be disclosed and have given you an opportunity to decline.

7. We will maintain your privacy in business relationships with third parties.

If we do provide customer information to a third party, we will insist - through a written agreement - that the third party adhere to privacy principles similar to those which The Geo. D. Warthen Bank adheres for keeping this information confidential.

8. Disclosing our privacy commitment to you.

At The Geo. D. Warthen Bank, we value our customer relationships. 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 about how we protect your confidential information, please contact us at (478)552-6901.