Protecting your privacy is important to the First National Bank and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all our employees for collection, use, retention, and security of nonpublic personal information.

What Information We Collect. We collect "nonpublic personal information" about you from the following sources:

• Information we receive from you on applications or other forms.
• Information about your transactions with us, or others; and
• Information we receive from a consumer reporting agency

What Information We Disclose. We may disclose the information we collect, described above, to companies that perform marketing services on our behalf or to other financial institutions with who we have joint marketing agreements.

We do not disclose nonpublic personal information about you to anyone else, except as permitted by law.

If you decide to close your account(s) or become an inactive customer; we will adhere to the privacy policies and practices as described in this notice.

Our Security Procedures. We restrict access to your personal and account information to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Your confidence in us is important and we want you to know that your personal and account information is safe. If you have any questions or concerns, please contact us.

Are you a Victim of Identity Theft? If you are concerned that someone may be usiong your personal information, please contact your local office immediately. It is important to consider calling the following other agencies to report your concerns:

• Your local law enforcement agency
• The Federal Trade Commission identity hotline at (877) ID-THEFT; TDD 1-866-653-4261
• Your credit card companies
• National credit reporting agencies so a fraud alert can be placed on your name and Social Security Number.
  • Equifax 800-525-6285
  • Experian 800-397-3742
  • Trans Union 800-680-7289