The Cyranto Financial Services Privacy Policy Protecting the Confidentiality of Our Clients' Information

Effective October 2007

At Cyranto Financial Services, we recognize the sensitive nature of your financial information and take appropriate precautions to protect your privacy. When you entrust us with this information, you can be certain it will be used only within our strict guidelines:

• We do not sell, rent, or trade any client information to other companies.
• Within Cyranto Financial Services, we safeguard your information carefully and provide you with the flexibility to dictate how it may be used.
• We are committed to helping you protect your privacy every day.

This policy statement takes the place of any previous privacy policies issued by Cyranto Financial Services or any of its subsidiaries. If, in addition to federal law, you are protected by specific state or local regulations concerning information sharing and marketing, Cyranto Financial Services will fully comply with those regulations as well.

We hope you will read through all the details of Cyranto Financial Services' official position on privacy. Cyranto Financial Services uses information responsibly to provide you with the services you've requested; offer you other financial products and services; and make doing business with Cyranto Financial Services more convenient for you.

The Kinds of Information We Collect

If you apply for a loan : We ask you to provide information about your financial status, such as employment, income, monthly expenses, and assets, as well as identifying information, such as your address, telephone number, and Social Security number.

In most cases, you give us this information yourself, in person, by mail, or through a Web site. If we need to know about your credit and repayment history, we also obtain information from consumer reporting agencies and other creditors.

Companies That You Ask Us to Share With

From time to time, we will make available the services of other financial firms, such as homeowner's insurance coverage for Cyranto Financial Services Mortgage applicants. In these cases, Cyranto Financial Services will get your permission prior to sharing your information with the outside firm.

Cyranto Financial Services may get your written, online, or verbal permission to share your information. If you grant permission, it will apply only to the specific program or programs you consent to. If you have previously requested that we block the sharing of your information, that request will remain in place for all other situations.

Outside Service Providers

We have arrangements with companies whose experience is essential for our own services to operate properly. For example, we work with firms that make account statements possible for Cyranto Financial Services clients. These companies work at Cyranto Financial Services' direction, and only the client information necessary for them to perform these functions is shared. They are required to safeguard your information and only use it for authorized purposes, and within the guidelines established by Cyranto Financial Services for the protection of client information.

Consumer Reporting Agencies (Credit Bureaus)

It is standard banking industry practice and within federal and state law for Cyranto Financial Services to routinely provide data about client loan repayment and transactions to these agencies and other creditors. 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.

Courts and Government Bodies

Certain federal and state laws may require us to share information about you. For example, if you are involved in a legal matter with a third party, we may be ordered to provide information to a court or other party. In these circumstances, only the specific information required by law, subpoena, or court order will be shared.

How We Protect Your Privacy Online

There may be instances where Cyranto Financial Services needs to treat your information differently than described in this policy when doing business with you online. In these cases, we will provide you with a clear, plain-language disclosure and obtain your authorization before proceeding. The authorization may come in the form of clicking on a disclosure, replying to an email, or enrolling in specialized online services. Cyranto Financial Services will always protect your privacy in a manner that is consistent with the principles outlined in this policy.

How Cyranto Financial Services Uses Email

Cyranto Financial Services will never send emails asking for personal or account information, such as passwords, Social Security numbers, PINs, credit or Check Card numbers. In most instances, we will not send you emails unless you have initiated an email dialogue with us; you have previously requested us to communicate with you in this manner; and/or the email is about your relationship with us.

Fraudulent emails and Web sites can appear to be from legitimate companies and include their images and logos. They often have a sense of urgency about them and state that if you fail to update or confirm certain information, access to your accounts will be suspended. These emails are not authorized by Cyranto Financial Services and are fraudulent. To report a fraudulent email or Web site, please call us at 770.827.7093 or send an email to bherman@Cyranto Financial.com.

Other Information You May Find Helpful

Credit Bureau Opt-Outs

To limit the number of pre-approved credit solicitations that you receive, contact the National Opt-Out Center to have your name removed for two years from the three major credit bureaus' (Equifax, Experian, TransUnion) mailing lists.

National Opt-Out Center
Toll-free: 888.5OPTOUT (888.567.8688)

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 donotcall.gov or call toll-free, 888.382.1222, from the number you wish to register. Registration is free.

The National Do Not Call Registry does not apply to charities, political organizations, or telephone surveyors, as well as existing business relationships. As a Cyranto Financial Services client, if you place your number on the national registry, you may still receive occasional calls from us. If you want to stop these calls as well, please request "No Telemarketing" status directly from Cyranto Financial Services.

Protect Yourself

The most effective privacy policy is the precautions you take to guard against the disclosure and unauthorized use of your account and personal information:

• Never provide personal information (including Social Security numbers or account and credit card information) over the phone unless you have initiated the call and know with whom you are speaking.
• Safeguard checks, account statements, and ATM, credit, and debit cards. Report any lost or stolen items immediately.
• Memorize personal identification numbers (PINs) and avoid writing PINs, Social Security numbers, or credit card account numbers where they can be easily found, such as on personal checks.
• Destroy any preapproved credit offers that you don't intend to respond to.

Government Information on Privacy

For other information on privacy and protecting yourself from identity theft, visit consumer.gov, a Web site sponsored by the U.S. Government.

Where to Find Out More

If you have questions, concerns, or comments about our privacy practices or the way your information is maintained and used, we'd like to hear from you.

Please write us at:

Cyranto Financial Services
Attn: Client Privacy Coordinator
2080 Callaway Court, NW
Atlanta, GA  30318