First National Bank recognizes and respects our responsibility to protect our customers’ private information. The success of a financial institution, like ours, depends heavily on the level of trust and confidence it enjoys with its depositors and shareholders. In continuing our commitment to provide quality service to our customers, First National Bank has adopted the following privacy statement for officers, directors and employees. This privacy statement applies to individuals, and First National Bank reserves the right to amend it at any time.

Our Internet Web Site – Visitors to First National Bank web site remain anonymous. We do not collect personal identifying information about site users, unless you choose to provide such information to us. Standard software is used to collect and store ONLY the following non-identifying information about our visitors: the name of the domain from which you access the Internet (for example, aol.com, if you are connecting from an America Online account, or iastate.edu if you are connecting Iowa State University’s domain); the date and time you access our site; and the Internet address of the website from which you linked directly to our site. If you submit an online application, it will be transmitted over a secure connection using encryption, and will alert you to this fact. This is the case where confidential information, such as your account number or social security number is requested. Visitors may elect to provide us with personal information via e-mail or our feedback form. This information is used internally, as appropriate, to handle the sender’s request and manage First National Bank web site. It is not disseminated or sold to other organizations. Visitors should, however, keep in mind e-mail is not necessarily secure against interception. If you do not agree with the use of this information, or are not comfortable with the level of privacy, please use the clear button in on-line forms, or cancel an e-mail before it is sent. Visitors should call us directly at (319) 352-1340 if requests or statements include sensitive or private information, such as your account numbers, credit card numbers or social security number. First National Bank will NEVER ask you for your Personal Identification Number (PIN) for your First National Bank ATM card or Visa card. If you are asked for this information, please call (319) 352-1340 and report it to a customer service representative immediately.

Our Collection, Use and Retention of Customer Information – We collect, use and retain information about our customers only where we reasonably believe it would be useful in administering our business, providing products, services, and other opportunities to our customers. We may collect "nonpublic personal information" about you from the following sources:

• Information we receive from you on an application or other loan or account forms
• Information about your transactions with us, our affiliates or others
• Information we receive from third parties such as credit bureaus

 If you send us e-mail, we may retain the content of the e-mail and your e-mail address in order to respond to questions or concerns that you may have expressed.

"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing you with a financial product or service, at your request.

Our Maintenance of Accurate Information – We have implemented procedures to help assure that our customers’ financial information is accurate, current, and complete in accordance with commercial standards. While some procedures are required by federal or state law, we also have procedures for responding to requests to correct inaccurate information in a timely manner, and to update information and remove old information. Customers should notify us immediately at First National Bank, 316 East Bremer Avenue, Waverly, Iowa 50677, if they receive information regarding their relationship with us that they believe to be inaccurate.

Limited Employee Access to Information – We have procedures and security levels that limit employee access to personally identifiable information to those with a business reason to know such information. The importance of confidentiality and customer privacy is addressed with our staff on an ongoing basis.  We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Restrictions on the Disclosures of Account Information – We do not reveal specific information about our customers’ accounts or other personally identifiable data unless (1) our customer has requested or authorized it; (2) the information is provided to help complete a transaction initiated by our customers; (3) the information is provided to a reputable credit bureau or similar information reporting agency; or (4) disclosure is lawfully permitted or required.

Maintaining Customer Privacy in Business Relationships with Outside Third Parties – We may and are permitted under law to share information about our experiences or transactions with you or your account with companies related to us by common control of ownership ("affiliates").  We also may share additional information about you or your account (such as information from credit reporting agencies) with our affiliates.  You may direct us not to disclose to our affiliate's information that does not relate solely to our or our affiliates' experiences or transactions with you or your account by calling Sherri Munson at (319) 483-4834 or 1-800-369-3629.

We may and are also permitted under law to disclose nonpublic personal information about you to "nonaffiliated third parties" (i.e., third parties that are non-members of our corporate family) in certain circumstances.  For example, we may disclose nonpublic personal information about you to such third parties to assist us in servicing your loan or account with us; to government entities in response to subpoenas; and to credit bureaus.  We are very protective of customer information and we do not disclose any nonpublic personal information about you to any other third parties, except as required or permitted by law.

Protecting Children -- First National Bank does not knowingly conduct on-line marketing to children.  We recognize that protecting children's identities and privacy on-line is important and that the responsibility to do so rests with both the on-line industry and with parents.

If you believe First National Bank has misused information obtained through this web site, or if you have questions or concerns regarding this privacy policy, please contact Sherri Munson at (319) 483-4834 to resolve any disputes.

Even if you become an inactive customer or close your account(s), we will continue to adhere to the privacy policies and practices described in this policy.