Privacy Statement

First Guaranty Bank
Protecting your privacy is important to First Guaranty Bank and our employees. Our Privacy Policy is simple: your financial information will only be shared as required when necessary to transact business on your behalf in customary commerce, or as legally required. We will not sell, nor have we ever sold, information about you to anyone. First Guaranty Bank also feels that it is important for you to understand how we use collected information. The following policy serves as a standard for all First Guaranty Bank employees for the collection, use, retention, and security of non-public personal information.

Information We Collect
We may collect the following non-public personal information about you: Information we receive from you on applications to us for our products and services and on other forms that you may provide us, such as; your name, address and phone number; Information about your transactions with us, or others, such as; your account balance, payment history and overdraft history; Information we receive from a consumer-reporting agency such as credit bureaus in connection with your credit history.

Information We Disclose

We are permitted by law to share your collected information listed above with non-affiliated third parties in certain circumstances, such as:

Third parties that provide services necessary to effect, administer or enforce a transaction that you request or authorize; i.e., attorneys for loan closings or to the operator of the interchange that processes our ATM/debit card transactions; Law enforcement officers and governmental agencies and courts as required by a subpoena court order, or law; Credit bureaus or similar reporting agencies to which we may report your account information; i.e. late payments, missed payments or other defaults on your account; Other financial institutions that we have a joint marketing agreement with, such as; our credit card provider; and for the performance of promoting financial products we may enlist other third parties that perform marketing or other services on our behalf.

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

Accurate Information
Keeping your account information accurate and up to date is very important. We provide you with access to your account information through various means such as account statements, telephone banking and online banking. If you ever find that your information is not correct, please call or write to us using the telephone number or address listed on your account statement, bank records or other documentation. We will promptly correct our records.

Security Procedures
We take steps to protect the confidentiality, security and integrity of customer information. We restrict access to your personally identifiable financial information to those employees who need to know that information so as to provide products or services to you. Our employees are educated about the importance of maintaining confidentiality and customer privacy. We will take appropriate disciplinary measures to enforce our employees' responsibility to protect your very personal privacy. We require the companies we do business with to abide by our privacy policy to maintain the confidentiality of our customer information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to help us protect you from unauthorized access to confidential information about you, including through the Internet.

Opting Out
Since we do not disclose non-public personal information to nonaffiliated third parties, except as permitted by law, it will not be necessary for you to contact the bank concerning opting out of information sharing.

Questions
Should you have any questions regarding the content of this notice, please feel free to call us directly at (904) 301-2000 during regular business hours.

Web Privacy Statement

First Guaranty Bank respects the privacy of its customers and is committed to protecting the privacy of individuals who visit our Website. We only collect non-identifying information from visitors to our Website, such as date and time the information was accessed, what pages were visited, what servers were used, and the city of the visitor as identified by the server address. Website visitors are invited to submit personal information by e-mail or by submitting requests for more information. When visitors respond to this invitation, the information they disclose is used as appropriate to complete the request submitted through the website. This information is not shared outside the bank. Our employees protect the privacy of customer information regardless of the medium used to fulfill customer financial needs. To protect the privacy of customers we use appropriate security standards and procedures to control access to customer information. This was our policy before electronic means of accessing information and it is our policy that is followed regarding all electronic customer information.

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