Privacy Statement

At Alpha Bank & Trust, we recognize that you expect a commitment from your financial services provider to protect the privacy and confidentiality of your financial and personal information. When you entrust us with this information, our commitment to you is as follows:

• We employ safeguards to protect your information and to prevent fraud
• We do not provide information about you to other companies for marketing purposes
• You may control how your information may be used by Alpha Bank & Trust

Alpha Bank & Trust is required to provide our customers with a document that illustrates the types of information we may collect and the circumstances under which we may make it available to others. We collect information about you when we reasonably believe it will help provide the right products and services to you and when it helps us protect you from fraud. We obtain only information that is necessary to administer our business and is allowed by law.

How we collect customer information

When you open a new account or apply for credit, we obtain nonpublic personal information about you including your Social Security Number and phone numbers and your financial resources including employment, income, expenses, assets and debts. When you apply for credit we also obtain information from credit reporting agencies and creditors. We may also obtain information from customers and from other credit references you supply to us.

When you become a customer, we may collect information about your transactions with us such as your account balance, payment history, parties to transactions and card usage. We may periodically update information you provided at account opening including credit reports.

How we use customer information

The information we collect is used to help us deliver the services you have requested and to identify additional products or services that we believe will be useful to you and other customers. We will use this information to identify persons involved in transactions to protect against unauthorized access to funds or information and to protect accounts. Information collected will also be used to identify and avoid potential risks or losses to Alpha Bank & Trust.

How we protect customer information

• Employees are permitted to access only the information they need to perform their jobs.
• We maintain strict internal policies against disclosure or use of client information except for legitimate business purposes.
• We restrict and track access to data.
• We train our employees to protect information about our customers.
• We continually improve our security tools and processes.
• We validate your identity each time you contact us.
• When in doubt, we terminate the transaction until authenticated.

Disclosure of account information

As permitted or required by law, we may report information about your account(s) to credit bureaus. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report. We do not disclose information about you or your account(s) to others, except for information furnished to consumer-reporting agencies or other agencies that have legitimate and lawful purposes, and are authorized by law to receive the information. We may also disclose account information when the customer has requested or authorized the disclosure or when permitted or required by law as in the case of a subpoena or investigation of fraudulent activity.

Business relationships with third parties

In order to serve your needs, we may provide all of the information we gather to service providers that perform business operations for us (such as check printing). We select very carefully the companies that support our operations. Also, we only provide them with information that we believe is necessary to fulfill their responsibilities or to provide a financial service to you. These companies are prevented by legal agreement from using this information for their own purposes or selling this information to others.

Your choices

Because we are committed to helping you achieve your financial objectives in the most effective way, we may contact you to offer products and services that may benefit you. You may control the ways we may contact you by letting us know:

• "Alpha Bank & Trust, please do not contact me by telephone for marketing purposes."
• "Alpha Bank & Trust, please do not contact me by mail for marketing purposes."
• "Alpha Bank & Trust, please do not contact me by e-mail for marketing purposes."

You can do this by:

• Writing to us at:

  Alpha Bank & Trust Privacy Preferences
  3651 Old Milton Parkway
  Alpharetta , Georgia 30005

• Sending a fax to us at (770) 346-9094, Attention Privacy
• Visiting your nearest branch and speaking with a client service representative
• Or you can call our main office at (678) 534-5804 and ask to speak with a Customer Privacy Specialist.

Please include your name, address (including zip code), telephone number, and the last six digits of your Social Security number with the request. Incomplete information will delay, or possibly prevent, our ability to honor your request.

Please note that we are committed to providing you with superior service. We may need to contact you to resolve a problem or to service your accounts even if you have asked us not to contact you by telephone, mail or e-mail for marketing purposes. For example, if we observe unusual activity on your debit card, we may contact you to verify your purchases and confirm that they are authorized. If you choose not to be contacted by mail for marketing purposes, you will continue to receive marketing information included with your usual account mailings and statements.

Whatever your preferences, we will honor your wishes and respect your privacy. Your preferences will remain in effect until you tell us otherwise.

National Do Not Call Registry

The Federal Government's national registry allows consumers to stop receiving most telemarketing sales calls. You can register online at www.donotcall.gov or call toll free, 888.382.1222, from the number you wish to register. Registration is free.

You can help

You can help us maintain the security of your banking information by following these tips:

• Change your password regularly
• Sign off after an Internet Banking session
• Do not share your account information, passwords, user ID's, PINs, code words or other confidential information with anyone.
• Do not provide confidential information by telephone to unknown callers.
• Do not provide confidential information online unless you initiated the contact, know the party with whom you are dealing, and provide the information through a secure channel.
• When conducting business over the Internet, always use a secure browser, exit online applications as soon as you finish using them, and make sure you have virus protection and a firewall and update them regularly.
• Protect and properly dispose of your account records. Email is not a secure channel.

Prevent identity theft

Regularly reviewing your credit report for accuracy is an important step to take in protecting yourself from fraud and identity theft. By law, you are entitled to receive one free credit file disclosure every 12 months from each of the nationwide consumer credit reporting companies. To learn more or request a copy of your credit report, visit annualcreditreport.com or call (877) 322-8228. If you believe you may be a victim of identity theft:

1. Contact us at (678) 534-5804 to place holds on your accounts.
2. Contact the Social Security Administration's Fraud Hotline at (800) 269-0271 to report fraudulent use of your identification information.
3. Report the incident as quickly as possible to any one of the credit reporting agencies:
   • Experian - (888) 397-3742
   • Equifax - (800) 525-6285
   • Trans Union - (800) 680-7289
4. Review a current credit bureau report to identify any unauthorized accounts or inquiries and ask the credit reporting agency about placing a Victim Alert Flag on your files.
5. File a police report in your local jurisdiction and retain the report number and the name of the officer who took the report.
6. File a complaint with the Federal Trade Commission (FTC) by contacting the FTC's Identity Theft Hotline: (877) IDTHEFT.

If you suspect potential fraudulent activity, or information has been lost or stolen, you can contact us at:

Alpha Bank & Trust
3651 Old Milton Parkway
Alpharetta , Georgia 30005

(678) 534-5804 - Main Number
(770) 346-9094 - Main Fax Number

The people who are Alpha Bank & Trust recognize that you have entrusted us with one of your most precious possessions: your financial future. We will work to earn that trust every time we interact with you. We are committed to creating exceptional banking experiences and we welcome your suggestions for improving your experience.