Privacy Policy

Atlanta Business Bank is committed to serving the financial needs of its clients. As such, we are entrusted with sensitive confidential information so that we can provide the highest quality service and products to our clients. We are committed to protecting the privacy of our clients' information. As a part of that commitment, we have adopted the following privacy principles and have implemented them at all levels of the organization.

1. Clients Expect Privacy. We believe the protection and confidentiality of our clients' 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. Client Benefits of Information Management Practices. We collect, retain, and use information about our clients 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 clients why we are collecting and retaining the information upon request. We use the information to protect and administer our clients' 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 clients' financial needs so that we can provide our clients with quality products and services.

3. Maintenance of Accurate Information. We have established procedures to ensure that our clients' 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 client 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 Client Information. We are committed to the security of our clients' 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 clients' accounts or other personally identifiable data to parties outside our affiliates for their independent use unless:

• the client requests or authorizes it;
• the information is provided to help complete a transaction initiated by the client;
• the information is provided to a reputable credit bureau or similar informational reporting agency; or
• 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 Client 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 client information provided to them.

8. Providing Privacy Information to Clients and Responding to Inquiries. We value our clients' relationship. We want our clients 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 clients.