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Privacy Disclosure

 

At First National Bank, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with First National Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.

At First National Bank, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customer's trust. Thus, the safekeeping of customer information is a priority for First National Bank.

Information about consumers is accumulated from a variety of sources. Some information is provided to First National Bank directly by customers themselves. Other data is developed by First National Bank as a function of providing a product or service to a customer. Still, other information is obtained from outside sources. We will limit the use and collection of information about customers to that which is necessary to administer our business, provide superior service, and offer opportunities that we think will be of interest to our customers. This means that we will use information to help us identify and mitigate potential risks or loss to First National Bank. We will use information to help identify additional products or services which we believe customers might want to know about. We will use this information only in accordance with the principles set out in this policy.

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 about you, please notify us. We will investigate your concerns and correct any inaccuracies.

At First National Bank, employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information and on these Privacy Principles. Because of the importance of these issues, all First National Bank employees are responsible for maintaining the confidentiality of customer information and employees who violate these Privacy Principles will be subject to disciplinary measures.

First National Bank is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

When it comes to sharing customer information with unaffiliated companies, First National Bank places strict limits on who receives specific information about customer accounts or other personally identifiable data. First National Bank may share information with such companies if they provide a product or service that may benefit our customers. Whenever we do this, we carefully review the company and the product or service to make sure that it provides value to our customers. We share the minimum amount of information necessary for that company to offer its product or service.

We may also share information with unaffiliated companies when; they assist us in providing our products and services to our customers; in the normal course of our business (for example, with consumer reporting agencies and governmental agencies); it is legally required or permitted in connection with fraud investigations and litigation; in connection with acquisitions and sales; and at the request or with the permission of a customer.

When First National Bank conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

First National Bank does not disclose nonpublic personal information about former customers, except as permitted by law.

First National Bank recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed these Privacy Principles which are made readily available to our customers. Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call the First National Bank at 419-629-2761 or e-mail us at dp@firstnbank.com.

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