Shared Values. Shared Success.

What is Identity Theft?
The U.S. Department of Justice defines identity theft as a crime. Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person’s personal data in some way that involves fraud or deception, typically for economic gain.

Your Protection
Protecting your identity is important to us. McIntosh Commercial Bank’s Online Banking System provides the latest industry-approved security technologies to protect data for the bank and for you, our customer. Learn more about how you can protect your information while online, over the telephone, at work and at home. Be informed by learning about crimes such as the latest credit card, telephone, and online scams. Protect yourself. Report fraud.

The Federal Deposit Insurance Corporation (FDIC) has released an on-line multi media education tool that consumers can use to learn how to better protect their computers and themselves from identity thieves. It also includes actions consumers can take if their personal information has been compromised. Click the following links to view important government updates concerning ID Theft, Internet Security, and protecting your confidentiality.

Contact
FDIC: www.fdic.gov/consumers/consumer/guard/index.html
           www.fdic.gov/consumer/index.html

Victims Guide: www.privacyrights.org/fs/fs17a.htm

Protection Information: www.idtheft.gov/takeaction.html
                                   www.ftc.gov/idtheft

Identity Theft Hotline: 1-877-IDTHEFT (438-4338)
                        TDD: (202)326-2502

McIntosh takes measures to ensure your safety online. McIntosh Commercial Bank will never request sensitive account information through email or the internet. McIntosh Commercial Bank’s Online Banking System features password-controlled system entry, a VeriSign-issued Digital ID for the bank’s server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic. For further details about our On-line security click on the following link Online Banking.

The Federal Deposit Insurance Corporation (FDIC) has released an on-line multi media education tool that consumers can use to learn how to better protect their computers and themselves from identity thieves. It also includes actions consumers can take if their personal information has been compromised. Click the following links to view important government updates concerning ID Theft, Internet Security, and protecting your confidentiality.

Contact
FDIC: www.fdic.gov/consumers/consumer/guard/index.html
           www.fdic.gov/consumer/index.html

Victims Guide: www.privacyrights.org/fs/fs17a.htm

Protection Information: www.idtheft.gov/takeaction.html
                                    www.ftc.gov/idtheft

Identity Theft Hotline: 1-877-IDTHEFT (438-4338)
                        TDD: (202)326-2502

Notice of your Financial Privacy Rights 

We value your trust. Information about yourself you provide us will always be secure and only used as you would want us to use it.

Our Privacy Policy

We, our, and us, used in this text refers to McIntosh Commercial Bank and McIntosh Home Mortgage, a division of McIntosh Commercial Bank. The words you and your, relate to the following client types:

All of our consumer clients who have a continual relationship with us, such as:

• Deposit Account
• Loan Account
• Safe Deposit Box
• Individual Retirement Account
• Financial, economic, or investment advisory services
• Home Mortgage

We will tell you the sources for non-public personal information we collect on our clients. We will tell you what measures we take to secure the information.

Collectable Information:

Non-Public Personal Information- Information about you that is not publicly available. This information is derived from the following sources:

• Information we receive from you on applications, other forms, or otherwise (such as Social Security numbers, assets, and income)
• Information about your transactions with us, our affiliates, or others (such as payment history or balances); and,
• Information from third parties (such as consumer reporting agencies, credit references, or employment references).

Disclosable Information:
We are permitted by law to disclose nonpublic personal information about you to third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas and to credit bureaus. In addition, we may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements.

We do not disclose any nonpublic personal information about you to anyone, including affiliates and nonaffiliated third parties, except as permitted by law.

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and procedures described in this notice.

The confidentiality, security, and integrity of your personal information:

Information security is one of our top priorities. We restrict access to non-public personal information about you to the team members who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards in order to guard your personal information. We require all contracts and agreements with external providers and vendors to conform to a privacy clause of equal standards.

The Federal Deposit Insurance Corporation (FDIC) has released an on-line multi media education tool that consumers can use to learn how to better protect their computers and themselves from identity thieves. It also includes actions consumers can take if their personal information has been compromised. Click the following links to view important government updates concerning ID Theft, Internet Security, and protecting your confidentiality.

Contact
FDIC: www.fdic.gov/consumers/consumer/guard/index.html
           www.fdic.gov/consumer/index.html

Victims Guide: www.privacyrights.org/fs/fs17a.htm

Protection Information: www.idtheft.gov/takeaction.html
                                    www.ftc.gov/idtheft

Identity Theft Hotline: 1-877-IDTHEFT (438-4338)
                        TDD: (202)326-2502

Please inquire with any of our client relationship representatives should you have questions pertaining to our Privacy Policy.
           

McIntosh Commercial Bank
820 Dixie Street
Carrollton, GA 30117
(770) 834-6800
www.mcintoshcommercialbank.com

4/18/2007