At First National Bank, the basis of each customer relationship is trust. You have chosen to do business with us, and we will honor your 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 Do Not Sell Personal Information to Anyone

We recognize and respect the privacy expectations of our customers and former customers. We do not disclose nonpublic personal information about you to nonaffiliated third parties, other than as described below.

Collection of Customer Information

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 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 service. The types of information we collect may include: information you provide on applications or forms; information received from third parties such as credit bureaus or similar reporting agencies; and information from your relationship with First National Bank.

Accuracy of Information

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

Protection of Information

Our Privacy Policy serves as a standard for all our employees for the collection, use, retention and security of all individual customer information. Each First National Bank employee is required to follow our Ethics Policy which states that all customer information is considered private and privileged, and is to be used solely on a “need to know” basis for the purpose of providing you with the finest service available. We maintain appropriate security standards and procedures regarding unauthorized access to customer information. We continually update and test our technology to improve the protection of our information about you and to assure the integrity of that information.

Restriction of Disclosure of Customer Information

First National Bank may disclose information about our customers and former customers to third parties that are affiliates of First National Bank and to third parties that are not affiliates. First Bancshares, Inc., the holding company, is our affiliate, as is First Bellevue Properties, Inc. If you prefer that we not share information with our affiliates (except as permitted by law under the Fair Credit Reporting Act), you may call us at 1-800-860-7340.

We are also permitted, under law, to disclose non public personal information about you to nonaffiliated third parties if (a) the information is necessary to help complete the transaction you requested; (b) you request or authorize that the information be revealed; (c) the disclosure is required or allowed by law; or (d) we have informed you that this information may be disclosed and have given you an opportunity to instruct us not to share your information (i.e. “Opt Out”).

We may disclose information on you and your account(s) to third party companies with whom we participate under joint marketing agreements to provide additional services to our customers. An example of this would be the products and services offered to our customers by a securities broker dealer, a family club account services provider and an insurance company. We reserve the right to enter into contracts with other third parties to provide services to First National Bank customers.

If you prefer that we do not disclose nonpublic personal information (other than those disclosures permitted by law), you may opt out of those disclosures by calling us at 1-800-860-7340. If you have a joint account, your opt-out applies to every person on the account. If you have multiple accounts with us, your opt-out applies to every account.

Maintaining Customer Privacy in Business Relationships

In order to serve you better, at times it is necessary to provide personally identifiable information about our customers to a third party, such as a vendor or service company that we hire to prepare your account statements or to provide support or services for one of our products. These vendors and service companies agree to safeguard our confidential customer information and they must abide by applicable law.

Disclosing Our Privacy Commitment to You

We value our customer relationships. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. In our effort to maintain a high standard of awareness to this commitment, we will disclose to you, our customer, our Privacy Policy once a year and shall make our policy available to you upon request at any time. You may contact us at 1-800-860-7340 to obtain a copy of this policy. If you have any questions about how we protect your confidential information, please contact the Customer Privacy Manager of First National Bank.