Privacy Policy

FIRST NATIONAL BANK
SERVING CLEVELAND, GASTON, LINCOLN, AND RUTHERFORD COUNTIES
CONSUMER PRIVACY STATEMENT

Recognition of a Customer's Expectation of Privacy

Protecting your privacy, along with your financial assets, is our top priority. You have selected us as your banker and First National Bank recognizes our obligation to keep the sensitive information you have entrusted to us secure and confidential. We maintain policies designed to assure the appropriate use of information about our customers. Our commitment to protect your financial information will continue under the principles and guidelines described below.

Collection and Accuracy of Information

We collect, retain, and use information about our customers only where we reasonably believe it would be useful (and allowed by law) to do the following:

• Administer our businesses and provide products and services to our clients.
• Identify you and protect your accounts from unauthorized access, fraud, and identity theft.
• Inform you of financial services and products that meet your needs.

We strive to ensure that information maintained is accurate, current, and complete in accordance with commercial standards. Should you believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies in a timely manner.

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 we receive from a consumer-reporting agency.

Sharing of Information

We may disclose nonpublic personal information about you to the following types of third parties:

• Consumer reporting agencies.
• Outside companies that are under contract to perform services (such as check printers or data processing companies) for the bank.
• Outside companies that perform marketing services on our behalf (such as club accounts with additional benefits).
• Government entities in response to subpoena or to comply with a legally permitted inquiry by a government agency or federal regulator.
• Companies or organizations outside of First National Bank in order to protect against fraud.
• Those entities with whom you have authorized us to share information, such as an accountant or attorney.

First National Bank does not sell or share nonpublic personal information with unrelated third parties. Service providers (such as the ones mentioned above) that help us provide services to you or help us market our products are bound under the terms of our contracts with them to maintain the confidentiality of the information we provide to them and are restricted from using the information for any reason other than what is specified in the agreement.

First National Bank's web site is linked to other web sites through our home page. We strongly suggest that anyone visiting any of these sites read the privacy statement of each web site. First National Bank is not responsible for the information collected on any foreign web site linked to First National's site.

Limiting Employee Access to Information

Our employees access information about you when needed to maintain your accounts or otherwise meet your needs. We may also access information about you when considering a request for additional services or when exercising our rights under the law or any agreement with you. We safeguard information according to established security standards and procedures regarding unauthorized access and we continually assess new technology for protecting information. Our employees are trained to recognize the importance of confidentiality and customer privacy. First National will take appropriate disciplinary measures where necessary to enforce our privacy policy.

The bank recognizes and respects the privacy of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed these Privacy Principles which are made readily available to our customers. Customers that have questions about these Privacy Principles or have a question about the privacy of their customer information should call First National Bank at 800-818-5003 or at 704-484-6200 for a local call.

Main Office Location: 106 S. Lafayette Street Shelby, NC.