At First National Bank, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with First National Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.

We recognize your right to privacy at First National Bank, we recognize that you have a right to expect your personal financial information to remain private and secure. We will maintain standards to ensure that your information is private and secure at all times.

Information about consumers is accumulated from a variety of sources. Customers provide some information to First National Bank themselves. Other data is developed by First National Bank as a function of providing a product or service to a customer. Still other information is obtained from outside sources. We will limit the use and collection of information about our customers to that, which is necessary to administer our business, provide superior service, and offer opportunities that we think will be of interest to customers. This means that we will use information to help us identify and mitigate potential risks or loss to First National Bank. We will use information to help identify additional products or services which we believe customers might want to know about. We will see this information only in accordance with the principles set out in this Policy.

We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

Each First National Bank employee and director is required to follow our Company's "Code of Ethics," which states that all customer information is considered private and privileged and is to be used solely for the purpose of providing you with the finest service available.

First National Bank is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

We do not reveal specific information about your accounts or other personally identifiable data to parties for their independent use unless: 1) your request or authorize it; 2) the information is provided to help complete a transaction initiated by you; 3) the information is provided to a reputable credit bureau or similar information reporting agency; or 4) the disclosure otherwise is lawfully permitted or required. We do not provide account or personal information to non-First National Bank companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

When the Bank conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

First National Bank recognizes and respects the privacy expectations 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 who have questions about these Privacy Principles or have a question about the privacy of their customer information should call us at (715) 537-5681 or e-mail us at fnbarron@fnbbarron.com.

Visitors to this bank Web site remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:

            Date and time our site was accessed
            IP address (A numeric address given to servers connected to the Internet)
            Web browser used
            City, state, and country

The bank uses this information to create summary statistics and to determine the level of interest in information available on our site.

Visitors may elect to provide us with personal information via E-mail, online registration forms, or our guest book. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations.

Some areas of our Web site may use a "cookie" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.

At First National Bank we recognize and respect your expectation of privacy and are committed to collecting, using, and securing customer information. We share information with third parties in limited circumstances as permitted or required by law. We maintain standards to ensure that your information is private and secure at all times.

What Information is Collected, Used, and Retained
We collect, use, and retain nonpublic personal information about you only where we reasonably believe that it will help administer our business or to provide products, services, and other opportunities to you.

Non public personal information is personally identifiable financial information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal financial information includes information regarding your account balance, payment history, and overdraft history.

We collect nonpublic personal information about you from the following sources (example of nonpublic personal information provided):

Information we receive from you on applications or other loan and account forms, such as your name, address, social security number, assets, and income;

Information about your transactions with us or others such as your account balance, payment history, parties to transactions, and credit card usage; and

Information we receive from a consumer credit reporting agency, such as your creditworthiness and your payment history.

We use this information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your financial needs so that we can provide you with quality products and superior services.

We use and retain the information about customers and former customers as disclosed in this policy and as allowed or required by applicable law or regulation.

What Information is Disclosed and to Who

We may disclose the nonpublic personal information that we collect (described previously) as indicated below.

We may disclose nonpublic personal information about you to nonaffiliated third parties that perform marketing services on our behalf or to other financial institutions with which we have a joint marketing agreement.

We are permitted under law to share specific information about your accounts or other personally identifiable data to either affiliates (companies related to us by common control or ownership) or non-affiliated third parties when:

1. You request it or authorize it;
2. The information is provided to help complete a transaction initiated by you;
3. The information is provided to a reputable credit bureau or similar credit reporting agency;
4. The disclosure is lawfully permitted or required (for instance, in accordance with the Rights to Financial Privacy Act, the Treasury Department's Financial Recordkeeping Regulation, a court order, or a regulatory examination);
5. Nonaffiliated third parties assist us in servicing your loan or account with us;
6. The information we share with our affiliates is about our experiences or transactions with you or your account; and;
7. Any other circumstances are permitted or required by law.

When we do share information with a nonaffiliated third party, we carefully review the product or service offered and share only the minimum amount of information necessary to complete the transaction.

If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures. That is, you may direct us not to make those disclosures (other than disclosure permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties, you may notify us by mail or electronic means within 30 days from receiving this notice.

When we conduct business with nonaffiliated third party service providers we require them to maintain similar standards of conduct regarding the privacy of nonpublic personal information provided to them.

We do not disclose your account number or a similar form of access number or code to nonaffiliated companies for the purpose of independent reuse such as telemarketing or direct mail marketing.

Safeguarding the Security of Customer Information

We maintain physical, electronic, and procedural information safeguards that comply with federal standards to guard nonpublic personal information. We continually evaluate and access new technology for protecting information.

Employee Access to Information

Employee access to nonpublic customer information is limited to those with a business reason to have access to such information. We educate our employees on the importance of maintaining confidentiality of customer information and will take appropriate disciplinary measures to enforce this privacy policy.

Maintenance of Accurate Information

We have established procedures to ensure that your financial information is accurate, current, and complete, in keeping with the industry standards and federal law. Should you ever believe or question that our records contain inaccurate or incomplete information about you, please contact us as indicated in this pamphlet.

Disclosure of Privacy Policy to Customers

We want you to understand our commitment to privacy in our collection and use of customer information. We adopted this privacy policy, which we provide to you at the time you establish your relationship with us and every calendar year thereafter. If you have any questions about this policy or concerns about the privacy of your information, please contact us as follows:

First National Bank and Trust
Attn: Compliance Officer
436 East LaSalle Avenue
Barron, WI 54812
(715) 537-5681

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