Privacy Policy of First National Bank – Quitaque, TX

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Introduction
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 need 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.

Recognition of a Customer’s Expectation of Privacy
At First National Bank, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers’ trust. Thus, the safekeeping of customer information is a priority for First National Bank.

Customer Benefits of Institution’s Information Management Practices
We collect, retain, and use information about you only where we reasonably believe that it will help administer our business or provide products, services, and other opportunities to you. We collect and retain information about you only for specific business purposes and we will tell you why we are collecting and retaining it upon your request. We use 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. Our Use of Information provision explains these concepts in greater detail. 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. This information is used internally, as appropriate, to handle the sender’s request. It is not disseminated or sold to other organizations.

Maintenance of Accurate Information
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.

Limitations on Employee Access to Information
At First National Bank, employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information and on these Privacy Principles. Because of the importance of these issues, all First National Bank employees are responsible for maintaining the confidentiality of customer information and employees who violate these Privacy Principles will be subject to disciplinary measures.

Protection of Information via Established Security Procedures
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.

Restrictions on the Disclosure of Account Information
We do not reveal specific information about your accounts or other personally identifiable data to parties outside our affiliated banks and companies for their independent use unless you request or authorize it. The information is provided to help complete a transaction initiated by you; the information is provided to a reputable credit bureau or similar information reporting agency; or the disclosure otherwise is lawfully permitted or required. We do not provide account or personal information to other companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

Maintaining Customer Privacy in Business Relationships With Third Parties
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.

Providing Privacy Information to Customers and Responding to Inquiries
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.

For more information or questions regarding this policy, contact the bank at:

First National Bank
320 E. Main Street
PO Box 540
Quitaque, TX 79255
806/455-1441
quitfnb@caprock-spur.com