QNB&T Privacy Pledge

Queensborough National Bank & Trust is committed to providing you with competitive products and services to meet your financial needs. We're equally committed to protecting the privacy of our customers. The following privacy statement describes our privacy policy and practices concerning the personal information we collect and disclose about our customers.

We will not sell personally identifying information

Queensborough National Bank & Trust will not sell personally identifying information to a third party for the purpose of solicitation or provide personal information to a third party for its own use.

Categories of information we collect

Queensborough National Bank & Trust collects non-public personal information about you from the following sources:

Information we receive from you on applications or other forms you provide us;
Information that we receive from processing your accounts with us, and the transactions in those accounts, as well as information that we receive from providing services to you; and
Information we receive from a consumer reporting agency.

Categories of information we disclose

We may disclose the following kinds of non-public personal information about you:

Information we receive from you on applications or other forms, such as your name and address, your social security number, your assets and income and the name of your employer. We may disclose this information, for example, to verify information that you have provided us, to service providers in the closing of a real estate loan, or to determine whether a loan that you have applied for will be sold to the secondary market;
Information about your transactions with us, such as your account balance. We may disclose this information for example, to the operator of the interchange that processes our ATM and debit card transactions;
Information we receive from a consumer reporting agency, such as your creditworthiness and credit history. We may disclose this information, for example, to a financial institution that is our affiliate, so that it can determine the products that it offers that would be of value to you;
We may also disclose non-public personal information about you to non-affiliated third parties as permitted by law.

Categories of third parties to whom we disclose information

We may disclose non-public personal information about you to the following types of third parties:

Affiliates of Queensborough National Bank & Trust, such as our holding company and any other banks or companies owned by our holding company or bank. We also reserve the right to disclose information to a securities affiliate should we acquire one in the future;
Service providers to the bank, such as the company which prints our checks and the companies that provide us automation services;
Parties involved in the closing and servicing of a loan that we make to you, such as appraisers, flood zone certification companies, attorneys, title companies and credit reporting agencies;
Other banks and financial institutions;
Non-financial companies, such as merchants who inquire whether you have funds on deposit sufficient to pay a check which you have written; and
We may also disclose non-public personal information about you to non-affiliated third parties as permitted by law. We do not disclose non-public personal information about former customers to non-affiliated third parties except as permitted by law.
Other bank and financial institutions with whom we have joint marketing agreements.
Non-financial companiesthat perform services for us such as data storage, document shredder, recycling, mail service, and record retention.

Confidentiality and Security of Your Information

It is the policy of Queensborough National Bank & Trust to assure that the information it has about its customers is accurate. It is also the policy of the bank that information it has about its customers is highly confidential and should only be available to persons who have a need for the information to properly service a customer's account, act upon a customer's request or to fulfill that person's job responsibility. Queensborough National Bank & Trust has extensive security procedures that insure that it's confidentiality policy is followed. Customer information is maintained in paper-based files and electronic databases. All paper-based files are kept in a controlled area. Access to every file is limited to bank personnel who have a need for access to the information in the file to properly carry out his or her job responsibility. The bank's automation systems have a complex set of passwords, user identifications and terminal identifications that limits each employee's access to information in the systems to that information that he or she requires to properly carry out his or her job responsibility.

What you can do to help

Queensborough National Bank & Trust is committed to protecting your right to privacy. You can help by following a few guidelines:

Protect your account numbers, personal identification numbers (PINs) or passwords. Never keep your PIN with your ATM or debit card, which can provide access to your accounts if your card is lost or stolen.
Use caution when disclosing your account numbers and social security numbers to other individuals.
Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of your account, we will attempt to contact you immediately.

Finally, if you have questions about our practices concerning financial privacy, please contact the following:

Financial Privacy Officer
Queensborough National Bank & Trust Co.
P.O. Box 467
Louisville, GA 30434