1. Customers Expect Privacy.
We believe the protection and confidentiality of our customers' information is one of our most important responsibilities. We take this responsibility seriously and have designed policies and procedures to prevent misuse of this information.

2. Customer Benefits of Information Management Practices.
We collect, retain, and use information about our customers to help administer our business or provide products, services, or other opportunities to them. We collect and retain information for specific business purposes, and we will tell our customers why we are collecting and retaining the information upon request. We use the information to protect and administer our customers' records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand our customers' financial needs so that we can provide our customers with quality products and services.

3. Maintenance of Accurate Information.
We have established procedures to ensure that our customers' financial information is accurate, current, and complete. We also pledge to correct inaccurate or incomplete information in a timely manner.

4. Limitations on Employee Access to Information.
Each of our employees is required to follow our organization's "Rules of Conduct", which states that all customer information is confidential and privileged. The appropriate disciplinary action is taken if this policy or procedures relating to this policy are not followed.

5. Maintenance of Security Standards to Protect Customer Information.
We are committed to the security of our customers' financial and personal information. We maintain security procedures designed to help prevent unauthorized access to their confidential information. We maintain and grant access to their information only in accordance with our internal security standards.

6. Restrictions on the Disclosure of Account Information.
We do not reveal specific information about customers' accounts or other personally identifiable data to parties outside our affiliates for their independent use unless:

a) the customer requests or authorizes it;

b) the information is provided to help complete a transaction initiated by the customer;

c) the information is provided to a reputable credit bureau or similar informational reporting agency; or

d) the disclosure otherwise is lawfully permitted or required. We do not provide account or personal information to non affiliated companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

7. Maintaining Customer Privacy in Business Relationships with Third Parties.
When we conduct business with third parties, we require our vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

8. Providing Privacy Information to Customers and Responding to Inquiries.
We value our customers' relationship. We want our customers to understand our commitment to ensuring their personal privacy. As a result of this commitment, we have developed this Privacy Policy, which is available to our customers.

Customers who have questions about this policy or the privacy of their customer information may call us at 678/742-9990 or write to us at Atlanta Business Bank, 5660 New Northside Drive, Suite 200, Atlanta, GA 30328.