At First National, we are committed to safeguarding customer information, because your privacy is a priority to us. The information that you provide us is kept in the strictest of confidence. We are proud to make that commitment to you, because your trust is the foundation of our business.

The following privacy policy explains how we use and protect the information about our customers. We ask that you read it carefully.

Notice Of Your Financial Privacy Rights

We, our and us, when used in this notice, refer to First National. This is our privacy notice to our customers. When we use the words “you” and “your” we mean the following types to customers:

All of our consumer customers who have a continuing relationship with us, such as:

• Deposit Account
• Loan Account
• Credit Card
• Safe Deposit Box
• Automobile Lease We Service
• Financial, Investment or Economic Advisory Services (for a fee)
• Home Mortgage Brokerage
  

We will first define some of our terms

Nonpublic Personal Information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An Affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but does mean owning enough to have control.

A Nonaffiliated Third Party is a company that is not an affiliate of ours.

The Information That 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
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

Information We Disclose About You

Sharing Information Within Our Family of Companies
We may share the information we collect about present and former customers within our family of companies. Our “family” is the group of companies related to us by common control of ownership. We share information within this family as a normal part of conducting company business and offering products and services to customers. This sharing of information is limited. Shared information includes identifying information and information we get from our dealing with you and the relationship you have with us.

Sharing Information with Nonaffiliated Third Parties
We may share customer information about present and former customers with the following types of companies:

• Select financial service providers who participate in joint marketing programs with us: such as motor vehicle dealers providing vehicle financing; and also others who provide products or services on our behalf such as mortgage bankers providing real estate loans, securities broker-dealers providing stock trading, credit card companies, and insurance agents, brokers, or underwriting companies providing auto and other types of insurance.
  
• Financial service providers and non-financial companies who provide services for us or on our behalf, such as companies that prepare account invoices or statements, help us service accounts, promote and market our products, provide computer and systems support and other services.
  
• Others, such as independent contractors or suppliers.

Unrelated companies receiving customer information from us enter agreements with us to protect the information they receive before information is provided. We do not share customer information with other companies unless an agreement to protect customer information is in place, except as otherwise permitted by law.

The Confidentiality, Security And Integrity Of Your Nonpublic Personal Information

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

Future Changes

This notice updates and replaces any previous notices you may have received from us about the collection, use and protection of customer information. We may change this privacy notice at any time and if we do, we will notify you as required by law.

To limit the disclosure of you information, click here (pdf).

Internet Privacy Policy

First National is concerned about maintaining the privacy of the information that you provide to us through the use of our web site.

Collection of Information
In an effort to meet the ever changing needs of our customers, we collect non-identifying information, including date and time of access, pages visited, services used, and visitor location. This data allows us to tailor our site to provide descriptions of the products and services that we offer to our web visitors.
Visitors may choose to submit identifying information in a number of ways, for example, submitting an application, sending e-mail or requesting that specific information be sent to you. First National will not disseminate nor sell this personal data to any other organization.

Employee Access
Identifying information is stored in secure computer systems. Only employees who must use the data for reasonable business purposes will have access to it. All of our employees have been made aware of this policy, and it is strictly enforced.

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