Recognition of a Customer's Expectations of Privacy
First National Banking Company recognizes and respects the privacy of its customers' information. The success of a financial institution depends heavily on the level of trust and confidence it shares with its customers. You trust us to care for your financial needs, and you have a right to feel confident that we are responsibly managing your account and information about you. At the same time, there are things you can do to help protect your privacy, such as knowing what information is on your credit report, understanding the choices you have about the use of your information, and protecting your passwords.

Use, Collection and Retention of Customer Information
Information is important for meeting your needs and providing consistent service quality. Information is also the source of new ideas. The more we understand about you, the better we can suggest products and services, create new opportunities for you, and help you manage your financial assets.

We collect non-public 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. 

Information we receive from a consumer reporting agency. 

We must meet expectations for privacy while still managing information to conduct our business and serve you. Information must be shared to fulfill your requests, deliver products and services, administer and update accounts, reduce fraud and other risks, and to comply with laws and regulations.

Maintenance of Accurate Information
First National Banking Company will establish internal procedures that ensure a customer's financial information is accurate, current and complete in accordance with reasonable commercial standards. First National Banking Company will respond to requests to correct inaccurate information in a timely manner.

Disclosure of Information
We may disclose the following types of personal information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Information we receive from you on applications or other forms (such as name, Social Security number, and income). 

Information about your transactions with us or others (such as account balance, payment history, and credit card usage).

Information we receive from a consumer reporting agency (such as consumer reports). 

We may also disclose nonpublic personal information as permitted and required by law.

Explanation of "OPT OUT" Right
People often tell us that they prefer a financial services provider that takes an "integrated approach." They want us to understand a range of needs and make recommendations about a variety of financial services. For this reason and others, we may share any of the personal information that we collect about you with nonaffiliated third parties.

If you prefer that we do not disclose nonpublic personal information about you to nonaffiliated third parties you may opt out of those disclosures (other than disclosures permitted by law). If you wish to opt out of these disclosures you may fill out the attached form and return it to us. 

Limiting Employee Access to Information
First National Banking Company has procedures that limit employee access to nonpublic personal information to those employees with a business reason to know such information about you. We educate our employees about the importance of confidentiality and customer privacy through standard operating procedures, special training programs, and our policies on ethics. The bank takes appropriate disciplinary measures to enforce associate privacy responsibilities.

Protection of Information Via Established Security Procedures
First National Banking Company maintains physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Protection of Children's Information Received on our Web Site
First National Banking Company does not knowingly collect, maintain, or use personal information from our website about children under age 13. If a child whom we know to be under age 13 sends personal information to us online, we will only use that information to respond directly to that child, notify parents, or seek parental consent. We are not, however, responsible for the collection and use of information by companies or organizations that may be linked to our website.

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