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Privacy Statement

At FNB Financial, our customers are our highest priority. So naturally we want to protect the personal and financial information you've entrusted with us. For this reason, we would like to explain some of our procedures which are intended to protect your privacy.

The eight Privacy Principles below have been endorsed by the major banking groups, of which we are a member. We use these Privacy Principles to guide us in dealing with consumer information. We have also outlined below other procedures which have been designed to protect your interests. These each include specific ways for you to communicate with us.

Please note that, to protect your privacy, we cannot accept communications from someone claiming to represent you, unless the party acting for you is your attorney, guardian, trustee or is otherwise authorized by law to represent you.

If you have any general questions about privacy, please call (269) 273-1715 or Toll Free (877) 273-1715.

Privacy Principles

1. Recognition of a Customer's Expectation of Privacy
   Financial institutions should recognize and respect the privacy expectations of their customers and explain principles of financial privacy to their customers in an appropriate fashion. This could be accomplished, for example, by making available privacy guidelines and/or providing a series of questions and answers about financial privacy to those customers.
2. Use, Collection and Retention of Customer Information
   Financial institutions should collect, retain and use information about individual customers only where the institution reasonably believes it would be useful (and allowed by law) to administering that organization's business and to provide products, services and other opportunities to its customers.
3. Maintenance of Accurate Information
   Financial institutions should establish procedures so that a customer's financial information is accurate, current and complete in accordance with reasonable commercial standards. Financial institutions should also respond to requests to correct inaccurate information in a timely manner.
4. Limiting Employee Access to Information
   Financial institutions should limit employee access to personally identifiable information to those with a business reason for knowing such information. Financial institutions should educate their employees so that they will understand the importance of confidentiality and customer privacy. Financial institutions should also take appropriate disciplinary measures to enforce employee privacy responsibilities.
5. Protection of Information via Established Security Procedures
   Financial institutions should maintain appropriate security standards and procedures regarding unauthorized access to customer information.
6. Restrictions on the Disclosure of Account Information
   Financial institutions should not reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence, unless 1) the information is provided to help complete a customer initiated transaction; 2) the customer requests it; 3) the disclosure is required by/or allowed by law (e.g., subpoena, investigation of fraudulent activity, etc.); or 4) the customer has been informed about the possibility of disclosure for marketing or similar purposes through a prior communication and is given the opportunity to decline (i.e., "opt out").
7. Maintaining Customer Privacy in Business Relationships with Third Parties
   If personally identifiable customer information is provided to a third party, the financial institutions should insist that the third party adhere to similar privacy principles that provide for keeping such information confidential.
8. Disclosure of Privacy Principles to Customers
   Financial institutions should devise methods of providing a customer with an understanding of their privacy policies. Customers that are concerned about financial privacy will want to know about an institution's treatment of this important issue. Each financial institution should create a method for making available its privacy policies.