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Notice of Your Privacy Rights

This policy applies to FNB Financial Corporation and its subsidiaries (i.e. FNB Financial, FNB Financial Services Inc.) and is applicable to all retail customers. It is provided to all customers upon initial account opening and on an annual basis in compliance with the Gramm- Leach-Bliley Act.

FNB Financial is honored that you have chosen to do your banking business with us. We understand that the banking relationship is based on trust. Part of that trust is protecting the information that you have shared with us in order to fulfill your financial needs. We believe that the following policy allows us to protect your privacy and still offer you the best in financial services and products to fulfill your financial goals. The following is our policy for the protection and privacy of your nonpublic personal information.

“We”,”our”, and “us”, when used in this notice, mean FNB Financial and its family of companies.

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 for personal, family or household use such as a(n):

• Deposit Account
• Loan Account
• Credit Card Account
• Safe Deposit Box
• Self-Directed IRA Account
• Trust Management Relationship
• Brokerage Relationship

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 that 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 known as a nonaffiliated third party, or simply an “other party”.

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

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

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 such as:

• Name
• Address
• Account Balances
• Account Activity
• Types of Accounts
• Payment History
• Deposit History
• Credit Card Usage

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.

We may disclose information about you to the following types of affiliates:
Financial service providers, such as:

• Bankers
• Mortgage Bankers
• Security Broker
• Dealers
• Insurance Agents
• Title Insurance Companies

We may disclose information about you to our affiliates:

• to provide you with information about additional products and services
• to establish and maintain your accounts

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. This might include disclosures of information necessary to service your account, perform joint marketing or prevent unauthorized transactions.

If you decide to terminate your relationship with our Bank, we will not share information we have collected about you, except as permitted or as required by law.

We may disclose the following information to companies that perform marketing services on our behalf:

Information you give us on an application or other forms, such as:

• Name
• Address

You do not have the right to opt out the disclosure of this information. We may also disclose information about you to other outside marketing services as permitted by law.

Here are the types of businesses with whom we may disclose information for outside marketing purposes:

Service providers that perform marketing service for us:

• Direct sales companies

We may provide information about you to companies that perform marketing services on our behalf to provide you with information about additional products and services. You do not have the right to opt out of the disclosure of this information

We may disclose the following information to other financial institutions with which we have joint marketing agreements:

Information you give us on an application or other forms, such as:

• Name
• Address

You do not have the right to opt out of the disclosure of this information.

FNB Financial is committed to protecting the privacy of our valued customers. If you have any questions, please do not hesitate to contact us at:

FNB Financial
88 North Main Street
Three Rivers, MI 49093
Telephone: (877) 273-1715

We are here to serve you today, and in the future with all of your financial service needs.