Privacy FNB Dighton

TEXT SCAM ALERT!

Please be aware that First National Bank has received reports that scammers are texting our customers and claiming to be from First National Bank. We would never call, text or email our customers and ask them to provide sensitive personal information and/or account information. If you receive a suspicious call please hang up immediately and call the bank directly at 620-397-5324. If you receive a suspicious text or email DO NOT click on any links or respond to it. Please contact the bank directly.

FACTS	WHAT DOES FIRST NATIONAL BANK OF DIGHTON DO WITH YOUR PERSONAL INFORMATION?
FACTS Why?	WHAT DOES FIRST NATIONAL BANK OF DIGHTON DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
FACTS What?	WHAT DOES FIRST NATIONAL BANK OF DIGHTON DO WITH YOUR PERSONAL INFORMATION? The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number Credit Scores Payment history Transaction history Overdraft history Credit card or other debt When you are no longer our customer, we continue to share your information as described in this notice.
FACTS How?	WHAT DOES FIRST NATIONAL BANK OF DIGHTON DO WITH YOUR PERSONAL INFORMATION? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons First National Bank of Dighton chooses to share; and whether you can limit this sharing.

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION	DO WE SHARE?	CAN YOU LIMIT?
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION For our everyday business purposes: such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	DO WE SHARE? Yes	CAN YOU LIMIT? No
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION For our marketing purposes: to offer our products and services to you	DO WE SHARE? No	CAN YOU LIMIT? We Don't Share
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION For joint marketing with other financial companies:	DO WE SHARE? No	CAN YOU LIMIT? We Don't Share
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION For our affiliates' everyday business purposes: information about your transactions and experiences	DO WE SHARE? No	CAN YOU LIMIT? We Don't Share
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION For our affiliates' everyday business purposes: information about your creditworthiness	DO WE SHARE? No	CAN YOU LIMIT? We Don't Share
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION For nonaffiliates to market to you:	DO WE SHARE? No	CAN YOU LIMIT? We Don't Share

QUESTIONS?

Call 620-397-5324 or go to www.fnbdighton.com

WHAT WE DO
WHAT WE DO How does First National Bank of Dighton protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
WHAT WE DO How does First National Bank of Dighton collect my personal information?	We collect your personal information, for example, when you: open an account apply for a loan make deposits or withdrawals from your account use your debit card show your driver's license We also collect your personal information from others, such as credit card bureaus.
WHAT WE DO Why can't I limit all sharing?	Federal law gives you the right to limit only: sharing for affiliates' everyday business purposes—information about your creditworthiness affiliates from using your information to market to you sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions
Definitions Affiliates	Companies related by common ownership or control. They can be financial and non financial companies. First National Bank of Dighton has no Affiliates.
Definitions Non Affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. First National Bank of Dighton does not share with non Affiliates so they can market to you.
Definitions Joint Marketing	A formal agreement between non affiliated financial companies that together market financial products or services to you. First National Bank of Dighton does not jointly market.

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NON-INTEREST-BEARING TRANSACTION ACCOUNTS: By operation of federal law, beginning January 1, 2013 funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category. For more information, visit www.fdic.gov.