NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

BECAUSE YOUR TRUST IS SO IMPORTANT

Your trust is the cornerstone of our relationship. That is why we work so diligently to safeguard your privacy. The information that you provide us is kept in the strictest of confidence. We have no intentions of selling personal information about our customers to third-party businesses. 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, means First National Bank, Bank of Carbon Hill, Bank of Parrish, Bank of Berry, FNB Financial Services, Inc. and FNB Mortgage Services, LLC. This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

• Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
  • Deposit account
  • Loan account
  • Credit card account
  • Safe deposit box
  • Self-directed Individual Retirement Account
  • Insurance policies issued by or through us
  • Mortgage brokerage services
  • Securities account
  • Annuity (purchaser or beneficiary)
  • Mutual fund shares
  • Brokerage account
  • Former Customers

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some 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. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

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

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."

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THE INFORMATION WE COLLECT

We collect information about you from the following sources:

• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with our affiliates
• Information about your transactions with other parties
• Information from a consumer reporting agency
• Information we receive through our Customer Identification Program

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to 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 to protect this information.

YOUR INFORMATION AND OUR AFFILIATES

We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information.
Transaction and experience information from our account records:

• Information about your transactions and experience with us, such as:
  • Name
  • Address
  • Account balances
  • Account activity
  • Types of accounts
  • Transaction history
  • Payment history
  • Parties to the transaction
  • Deposit history
  • Credit card usage
  • Policy coverage
  • Premiums
  Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

Types of Affiliates
We may disclose information about you to the following types of affiliates:

• Financial service providers, such as:
  • Securities broker-dealers
  • Insurance agents
  • Life insurers
  • Property and casualty insurers

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YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law.

INFORMATION ABOUT FORMER CUSTOMERS

We have the same policy about disclosing information about former customers as we do about current customers.

ON-LINE SECURITY

First National Bank recognizes and respects your concerns about privacy and security while using our Web Site and Internet Banking Services.

We are committed to taking every precaution to protect and safeguard your privacy in the same manner as in our traditional banking offices. All Internet transactions, such as transfers of funds between First National Bank accounts, and third party bill payments, are conducted in a secure 128 bit SSL encryption environment to protect privacy.

In addition, we require a logon ID (or nickname), Passmark and password (or PIN number) to access your accounts and services.

You can help maintain the security of your information by not sharing your logon ID, nickname, password, passmark, or PIN with anyone. You should also consider changing your password or PIN regularly.

Finally, be sure to "log out" or close your web browser after accessing your online account.

OFF-SITE LINKS

As a reference and service to you, First National Bank provides links to other web sites on the Internet. The links are provided for your convenience and do not constitute an endorsement. You should refer to that specific sites privacy and security policies when accessing other sites.

QUESTIONS

If you have questions about any information in our Privacy Disclosure, please visit your local First National Bank office or call the Privacy Officer at (205) 921-7435 ext. 246.

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