At Southwest Georgia Farm Credit, we recognize your expectation of privacy and confidentiality of personal financial information when seeking the assistance of outside professionals to obtain credit. We have taken great care in establishing and implementing policies and procedures and have committed to an ongoing review of those policies and procedures to protect your personal and financial information.

Since 1972, Farm Credit Administration regulations have forbidden the directors and employees of Farm Credit institutions from disclosing personal borrower information to others without your consent. Southwest Georgia Farm Credit does not sell or trade your personal information to marketing or information brokers. Southwest Georgia Farm Credit is committed to fully complying with the laws and regulations that have been established to protect the confidentiality of your information.

FCA rules allow us to disclose customer information to others only in these situations:

• We may give it to another Farm Credit institution with which you conduct business.
  
• We can be a credit reference for you with other lenders and provide information to a credit bureau or other consumer reporting agency.
  
• We can provide information in certain types of legal or law enforcement proceedings.
  
• FCA examiners may review loan files during regular examinations of our association.
  
• If one of our employees applies to become a licensed real estate appraiser, we may give copies of real estate appraisal reports to the State agency that licenses appraisers when required. We will first remove as much personal information from the appraisal report as possible.
  

Your privacy is a top priority in all aspects of our business. Our employees are informed of their responsibility to protect your confidential information and are governed by strict standards of conduct, which prohibit unauthorized use of your information. Appropriate disciplinary policies are in place to help enforce employee privacy responsibilities. Security procedures and internal controls are also in place to protect your privacy.

Your personal information is the information that identifies you, for example your name, address, phone number and email address. We may collect personal and additional information volunteered by you during the loan inquiry process to enable us to offer you the best products and services. We may also contact you with news about new products, services, and special promotions. Additionally, your email address is collected when you submit any email to us. Southwest Georgia Farm Credit limits the use and collection of all information to that which is necessary to maintain and administer financial services, provide excellent service, and offer new products and services that may be of benefit to you. If, for any reason, you would like to be removed from our distribution list, please contact us at:

Southwest Georgia Farm Credit
PO Box 790
Bainbridge GA 39818-0790

or Email: swga@swgafarmcredit.com

This is how we will handle information we learn about you from your visit to our web site. If you visit our site to read or download information, we collect and store only the following information about you: the name of the domain from which you access the Internet (for example, aol.com, if you are connecting from an America Online account); the date and time you access our site; and the Internet address of the web site from which you linked directly to our site. We use the information we collect to measure the number of visitors to the different sections of our site and to help us make our site more useful to visitors.

For web site security purposes and to ensure that this service remains available to all users, this computer system employs software programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage.

NOTICE: We will not obtain personally-identifying information about you when you visit our site, unless you choose to provide such information to us.

We may use third party Suppliers and Service Providers to facilitate our services. For example, we may outsource one or more aspects of our site to a Supplier or Service Provider who performs services according to our requirements. In all cases we restrict how these Suppliers or Service Providers may access, use or disclose your information. In general, we do not permit these Suppliers or Service Providers to retain, disclose or sell your information to third parties.

Our privacy policy only addresses our activities from our web site. Other sites, including those to which we have provided links, may have their own policies, which we do not control, and thus are not addressed by our policy. The data collection, use and security practices of the linked site may differ from the practices of our site. You should familiarize yourself with the Privacy Policy and security practices of the linked web site. Those are the policy and practices that will apply to your use of the linked web site, NOT our policy and practices.

Children's Online Privacy Protection Act: This web site is not directed at children nor does Southwest Georgia Farm Credit collect any personally identifiable information from children. Southwest Georgia Farm Credit may provide links to independent web sites maintained by various federal agencies or other organizations, solely as a benefit to our customers. Once you have accessed a linked web site, we recommend that you review the applicable Privacy Policy and/or terms of that web site.

We continue to monitor, review and update the privacy measures and technology that we have in place to protect your information and strive to put you first. Your questions, comments or complaints about this policy may be directed to swga@swgafarmcredit.com. If you do not receive a response or if the response received is not to your satisfaction, you may contact us at:

Southwest Georgia Farm Credit
PO Box 790
Bainbridge GA 39818-0790

or Email: swga@swgafarmcredit.com