Nobody takes your personal privacy more seriously thanCornerstone Bank. We recognize the importance of protecting your financial information and take appropriate precautions to protect your privacy. Physical, electronic, and organizational safeguards are in place that comply with Federal standards to guard your nonpublic personal information.

We do not disclose any nonpublic personal information about you to anyone, except as permitted by law. This might include information necessary to service your account, comply with governmental laws, or prevent unauthorized transactions.

Cornerstone Bank will not trade, rent or sell your personal information to anyone. We will not provide account or personal information to other companies for the purpose of independent telemarketing or direct mail marketing. From time-to-time, Cornerstone Bank may develop telemarketing or direct mail marketing programs to its customers. Please see the section “Can I Be Taken Off Any Solicitation Lists” below for “Opt-Out” options and contact information.

In an effort to efficiently service your account, you will continue to receive mailings or telephone calls required to properly maintain your accounts. This may include such things as account statements that may contain a notice of special offers (new products or services) or receive a telephone call necessary to service and maintain the account.

Protecting Information
At Cornerstone Bank, we are committed to protecting the information you provide to us. The information we request is used to provide our customers with superior service and convenient access to the right products and services. We recognize that our customers have high expectations regarding the use of their information. Therefore, we at Cornerstone Bank are committed to the following set of principles:

• We share information regarding customers within our bank and affiliated companies only in accordance with strict internal security standards, confidentiality policies, and applicable law.
• We hold our employees fully accountable to those standards, policies, and laws.
• We do not share information about our customers with other companies except in order to conduct our business, comply with applicable law, protect ourselves and our customers against fraud, or to make available special offers of products and services that we think may be of interest to our customers. We may also provide information to regulatory authorities and law enforcement officials in accordance with applicable law.
• We have established high standards for protecting information regarding our customers from unauthorized alteration or destruction.
• We investigate customer inquiries regarding information received from Cornerstone Bank (or from a credit bureau reflecting information provided by Cornerstone Bank) that the customer believes to be inaccurate or incorrect. Customers should notify us if they receive information regarding their Cornerstone Bank account(s) that they believe to be inaccurate.

When is personal information collected online?

Applications:
When you apply for either a deposit account or a loan, or when you enroll in Internet Banking, you will be asked for personal information in order to process your application. The bank and its business partners who will help provide you with the requested product or service may retain this information.

Internet Banking and Bill Paying:
When you bank online with Online Banking or use the bill paying feature offered by Cornerstone Bank and our business partner who helps us deliver these services to you, we will have access to your business information. This information is retained on either the bank's or our partner's systems in order to provide you with the services you have requested.

E-mail:
When you send us an e-mail, we will retain the content of your e-mail, your e-mail address, and our response in order to handle any follow-up questions that you may have.

Can I be taken off any solicitation lists?

Yes….sometimes we call or send our customers information about products and services that will be of interest to them. To respect your privacy and wishes, we have implemented procedure to give you the opportunity to “opt-out” of the Bank’s direct marketing programs or telemarketing calls. If you do not wish to receive marketing material by mail or be telephoned, please call our Customer Privacy Coordinator at (404) 601-1250.

Can I check my personal information to see if it is correct?

If you have any reason to believe that your personal information retained at Cornerstone Bank is inaccurate, please call us at 404-601-1250. We will investigate the problem and, if appropriate, update the bank's records.

As we move forward in developing new products and services in an era of vast technological change, we will continue to maintain our dedication to ensuring that customer information is properly used and appropriately safeguarded.

If you have any questions that were not answered by this section, please send us an e-mail at customerservice@cornerstonebankga.com.

Official Cornerstone Bank Privacy Policy
"We", "our", and "us", when used in this policy, mean Cornerstone Bank. When we use the words "you" and "your" we mean the following types of customers:

• All of our consumer customers who have a continuing relationship with us such as:
  - Deposit account
  - Loan account
  - Safe deposit box
  - Retail installment contract we hold and service
  - All former customers

Information That We Collect
We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

Confidentiality
We do NOT disclose any nonpublic personal information about you to anyone, except as permitted by law. This might include disclosures necessary to service your account, perform joint marketing, or prevent unauthorized transactions.

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

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

Important Financial Privacy Terms:
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.

Online Banking Security

The privacy and safety of your financial information is Cornerstone Bank's utmost concern. Your transactions are as safe as current technology allows them to be. Cornerstone Bank works with cutting edge technology partners to ensure that the most secure environment available is made possible for our valued customers. We offer you worry free Online Banking. You can be completely confident of the following security measures:

Secure Communications
Our system ensures that data exchanged between your PC and our computers is encrypted with 128-bit encryption-the strongest encryption available. Encryption is accomplished through Secure Sockets Layers (SSL)which utilize mathematical formulas to "encrypt" or hide information from prying eyes on the Internet. Additionally, if SSL detects that data was added or deleted after you sent it to the Bank, the connection will be severed in order to guard against any tampering. The most popular browsers have the SSL security feature built in.

Secure Environment
Our computer system does not connect directly to the Internet. It is isolated from the network via a "firewall". A firewall is a combination of software and hardware products that designate parameters, control and limit the access that outside computers have to the Banks internal network and databases. You can feel secure knowing that our firewall protects your personal information from unauthorized access.

Secure Login
Access ID's and passwords are isolated from the Internet by being stored on a secure computer. This way the passwords and access ID's can never be accessed or downloaded by anyone on the Internet. Additionally, user passwords can vary from six to nine characters, which means the chance of randomly guessing a password is less than one in 1 billion! The system also checks for invalid logins and automatically disallows a user after three invalid attempts. This prohibits the "hacker" from gaining access to our system thus protecting your accounts.

Your Access ID and Password
You will be responsible for maintaining one of the most important security measures, your access ID and password. After logging in with your initial Cornerstone Bank Online Banking access ID and password, you will be responsible for changing the initial access ID and password to your personally selected ID and password. Be sure to keep your newly selected password a secret. Memorize it, or write it down and keep it in a safe place. It is not recommended you carry your password in your purse or wallet. Make sure no one watches you enter your password and always close your browser when leaving the computer. Make sure you regularly scan your computer for viruses that could be used to capture password keystrokes. You ultimately hold the key to your password security. Not even a bank employee knows your password.

About Children's Online Privacy
The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. Cornerstone Bank's websites and online services are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections, link to the Federal Trade Commission's website at www.ftc.gov/privacy/privacyinitiatives/childrens. For further information, the Federal Government has created a Web site, Kidz Privacy, aimed at educating both parents and children about the dangers of the Internet and how to browse safely.

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