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1st National Bank Privacy Statement

We use client information in the ordinary course of serving your relationship or managing your business.

For example, we use your information to:

·         Identify you and protect you from fraud, so that others cannot use your accounts without your authorization.

·         Process your requests, such as, wire transfers, ATM withdrawals or loan applications.

·          Inform you of additional financial services to meet your individual needs.

·          Service your accounts, by issuing your account statements, checks and ATM cards.

In the process of serving your financial needs, we collect “nonpublic personal information,” which is information we receive about you in the course of providing financial services to you. This information helps us better serve your accounts and understand your needs, and may come from a variety of sources, including:

·          Information we receive directly from you, on applications and other forms, such as your name, address and assets.

·          Information we receive through your transactions or experiences with us, such as your account balance, overdraft history, or parties to transactions.

·          Information we receive from consumer reporting agencies and others as we set up your client relationship, including credit reports, property appraisals, or verification of employment.

Information is shared only as required to service your accounts and help you achieve your financial goals.

We are very restrictive with your personal information. There are two primary reasons for the information we collect:

·          To provide you with greater convenience. For example, to allow you to use ATMs owned by other banks, or to allow us to serve you by telephone.

·          To help you meet your financial goals, by informing you of additional financial services that may be of interest or value to you.

In addition, we may disclose your nonpublic personal information, as described above, to third parties as permitted by law. For example, we might be required to disclose information about you in response to a subpoena or to a credit bureau or under certain federal or state laws. Or we may provide information to others with your consent, for example, to complete a transaction that you have initiated.

We vigilantly protect the security and confidentiality of client information.

We have implemented procedures and guidelines to safeguard the privacy of your nonpublic personal information from unauthorized use or improper access. We will continue to enhance our security procedures as new technologies become available. In addition, we restrict access to information about you to those staff members who have a business need to know that information in order to provide financial services to you. Our staff members are governed by a code of conduct and are educated about our privacy policies, and about the importance of maintaining the confidentiality of client information

Rest assured that we do NOT sell any non-public personal information you have shared with us.  We appreciate your loyalty and remain committed to maintaining your trust and confidence in 1^st National Bank.

At 1^st National Bank we take a number of additional steps to protect the privacy of your information:

·          We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information, please notify us by calling 1-800-932-3221 or visiting your banking office. We will investigate your concerns and correct any inaccuracies.

·          Our strict policies for protecting nonpublic personal information apply to current clients as well as inactive or former clients. “Clients” refers to individuals who apply for, or use the products and services provided by us or have done so in the past.

Once again, we value your relationship, and will continue to protect your privacy and keep your client information secure. Thank you for the opportunity to serve you.