FACTS

WHAT DOES GEORGIA BANK & TRUST COMPANY OF AUGUSTA

DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

● Social Security number

● Income

● Account balances

● Payment history

● Credit history

● Credit scores

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Georgia Bank & Trust Company of Augusta chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Georgia Bank & Trust Company of Augusta share?

Can you limit this sharing?

For our everyday business purposes –

­such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes –

­to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates' everyday business purposes – information about your transactions and experiences

Yes

No

For our affiliates' everyday business purposes – information about your creditworthiness

Yes

Yes

For our affiliates to market to

Yes

Yes

For nonaffiliated to market to you

Yes

Yes

To limit our
sharing

• Mail the form below

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call us at 706-738-6990 or toll-free 1-888-GABank1 or go to www.georgiabankandtrust.com

Mail-in Form

Mark any/all you want to limit:

o Do not share information about my creditworthiness with your affiliates for their

everyday business purposes.

o Do not allow your affiliates to use my personal information to market to me.

o Do not share my personal information with nonaffiliates to market their products

and services to me.

Name

Mail to:

Georgia Bank & Trust

Company of Augusta

Attn: CIF Department

P.O. Box 15367

Augusta, GA 30919-5367

Address

City, State, ZIP

Account #

Who We Are

Who is providing this notice?

Georgia Bank & Trust Company of Augusta means Georgia Bank & Trust, Southern Bank & Trust, and GB&T Financial Services

What We Do

How does Georgia Bank & Trust protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Georgia Bank & Trust collect my personal information?

We collect your personal information, for example, when you

● Open an account

● Apply for a loan

● Make deposits or withdrawals

from your account

● Provide your mortgage information

● Show your government-issued ID

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

● sharing for affiliates' everyday business purposes – information

about your creditworthiness

● affiliates from using your information to market to you

● sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit

sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your accounts.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and

non-financial companies.

● Our affiliates include:

● Financial companies such as: Southern Bank Financial

Corporation

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

● Nonaffiliates we share with can include mortgage companies, insurance companies, direct marketing companies and securities broker-dealers

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

● Our joint marketing partners include credit card companies and securities broker-dealers

Other Important Information

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For Vermont Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.

Privacy Model Disclosure

VMP® Bankers Systems™

Wolters Kluwer Financial Services © 2010

PRIV-MODEL 8/1/2010

2012.1/1223 3318073-010 Custom