PLEASE READ - IMPORTANT INFORMATION

FIRST NATIONAL BANK OF HUNTSVILLE
PRIVACY POLICY & DISCLOSURE

The directors, management and staff of First National Bank of Huntsville recognize and respect the privacy of your personal financial information. We understand that our customers furnish sensitive information to the Bank in the course of daily business, and the Bank is committed to treating such information responsibly. We know that our customers expect privacy and security for their personal and financial affairs. We will take all the necessary steps to safeguard sensitive information that has been entrusted to us by our customers. The following privacy policy and disclosure outlines First National Bank of Huntsville’s practice regarding personally identifiable financial information for consumers and those consumers who become our customers.

TYPES OF INFORMATION THE BANK COLLECTS

At First National Bank of Huntsville we collect nonpublic, personal information about you from the following sources:
• Information we receive from you on applications or other forms
• Information about your transactions with us, our affiliates, or others
• Information we receive from a consumer reporting agency

TYPES OF INFORMATION THE BANK DISCLOSES

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

SAFEGUARDING CUSTOMER INFORMATION

At First National Bank of Huntsville we protect customer privacy by ensuring that only employees who have a business reason for knowing information have access to it. Employees are educated on the importance of maintaining the confidentiality of customer information and on these privacy principles. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

INTERNET PRIVACY

Visitors to First National Bank of Huntsville’s Website 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 browsers used
• City, state and country

The Bank uses this information to create summary statistics and to determine the level of interest in our Website. Some areas of our Website 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.

Please note that any message sent to the bank via normal e-mail is not encrypted, so please do not include any personal or sensitive information such as account numbers, social security numbers or passwords.

OUR WEBSITE IS NOT TARGETED OR MARKETED TO CHILDREN.

EXTERNAL SITE DISCLOSURE

At certain places on our Website there are links to other web sites. First National Bank of Huntsville does not endorse, approve, certify, or control those external sites and does not guarantee the accuracy, completeness, efficiency, timeliness or accurate sequencing of the information contained on them. First National Bank of Huntsville cannot be responsible for protecting any personal information you may provide to those web sites. Please examine each external links’ privacy statement before providing information.

NOTIFY US OF INACCURATE INFORMATION WE REPORT TO CONSUMER REPORTING AGENCIES. Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing the specific in accuracy(ies) should be sent to us at the following address: First National Bank of Huntsville, PO Box 659, Huntsville, TX 77342-0659.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT –

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for y our name, address, date of birth and other information that will allow us to identify you We may also ask to see your driver’s license or other identifying documents.