First National Bank Privacy Policy -

This policy applies to consumer individuals (and their legal representatives) who obtain First National Bank financial products or services which are to be used primarily for personal, family, or household purposes. First National Bank fully recognizes its obligation to respect the privacy of its customers and to protect the security and confidentiality of those customer's nonpublic, personally identifiable financial information. Information we collect includes the personal information you provide in

· account or credit applications or under loan agreements,

· credit reports,

· information about collateral you have securing credit with us,

· and our transaction experience with you (such as your payment history, account balance, and parties to the transaction).

Furthermore, we have implemented reasonable policies, procedures and controls to ensure the prevention of unauthorized disclosure of customer financial information and to deter and detect any such unauthorized disclosures. First National Bank employees are trained to handle matters of utmost confidence and importance to our customers in a strictly confidential manner. In addition, only employees actively engaged in the discharge of assigned duties involving customer information are authorized to access that information. Policies and procedures regarding use of Bank records are strictly enforced. First National Bank retains our customer's personal information in order to provide financial products and services and may, from time to time, provide such information to affiliates and nonaffiliated third party service providers to perform services for or functions on behalf of the Bank, and to effect, administer, or enforce transactions authorized by you; for example,

· to open and administer your accounts and provide services,

· to make credit decisions and manage credit relationships,

· to help us protect you and the Bank from financial loss,

· marketing of our products or services

· and preparation of account statements.

When we provide personal information to our affiliates and nonaffiliated third party service providers for any such services that may or may not be described herein, these affiliates and nonaffiliated third party service providers agree to maintain the confidentiality of such information. We do not share or disclose specific account information to any nonaffiliated third parties for their independent use in telemarketing, direct mail marketing, or other marketing through electronic mail to you, or for their independent use unless (1) it is with the consent or at the direction of you, (2) as necessary to effect, administer, or enforce a transaction requested or authorized by you, (3) the information is provided to a consumer reporting agency in accordance with the Fair Credit Reporting Act, (4) in connection with the sale, merger, transfer, or exchange of all or a portion of the business, (5) to comply with Federal, State, or local laws, rules, and other applicable legal requirements.

Internet Privacy –

When you visit our web site to view any pages, read product information, or use our online calculators and tools, you do so without telling us who you are and without revealing any personal information. While we do not collect identifying information about visitors to our site, we do use standard software to collect information for the strict purpose of tracking activity on our site. This allow us to better understand how many people use our site and which pages and features are most popular. The only information we normally collect and store is:

· The name of your Internet service provider

· The Web site that referred you to us (if any)

· The date and time the pages were accessed

· The page or pages you requested.

There are instances where you may elect to provide us with personal information. If you fill out one of our feedback or request forms or send us e-mail, you are transmitting the information that appears to you in the form or the message. This will typically include information like your name, mailing address, e-mail address, the kind of request you are making, and any other information necessary to fulfill your request. You never transmit personally identifying information that you do not enter yourself. And this is always your option; this information cannot be collected unless you specifically elect to send it to us. This information is used internally only for the purpose of fulfilling the request or for contacting you directly and is not given or sold to any other organization. When you submit personally identifying information via one of our feedback or application forms, that information is also encrypted, or scrambled, by your browser before it is transmitted back to our Web site. This effectively prevents anyone from intercepting and reading any personal information about you. Note that this encryption does not take place if you send us e-mail, but only when you use your Web browser with one of our site's forms.

Use of Information about You –

First National Bank exercises its right to disclose financial information to our affiliates and nonaffiliated third party service providers to the fullest extent of the law. Other than the limited exceptions explained in this policy, it is our practice not to share confidential customer information outside the Bank. You do not need to request this confidentiality - it is our standard practice.