First National Bank of Trenton

The privacy policy of First National Bank of Trenton is divided into two sections. The first section contains the privacy policy applicable to individual consumers. The second section contains our Internet privacy policy applicable to all Internet users.

The board of directors and management of First National Bank of Trenton recognize the importance of personal and financial privacy for our customers. In the interest of protecting the privacy of our customers, the board of directors of First National Bank of Trenton has adopted the following Privacy Policy.

Privacy Policy
First National Bank of Trenton knows that our customers expect privacy and security for their personal and financial affairs. It is the policy of First National Bank of Trenton to comply with federal and state laws and regulations affecting consumer privacy, including the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act and the Right to Financial Privacy Act. The bank uses all necessary steps to safeguard sensitive information that has been entrusted to us by our customers. Bank employees will use, collect, and retain information on consumers only when there is an appropriate business purpose to do so.

Collection and Use of Information
First National Bank of Trenton will collect, retain and use information about our customers to serve and administer customer relationships. This information may be collected from a variety of sources, such as the following:

Information we receive from you
Information we receive from third parties, such as consumer reporting agencies, reports used to verify statements you have made to us, or regarding your employment, credit or other relationships
Information about transactions or experiences with other parties

We will limit the use and collection of information about our customers to what is necessary to administer their needs, to provide superior customer service, to create new products or improve existing products that we think would be of interest to our customers, and to protect the customer. The information we maintain about customer relationships helps us identify with customers to help us prevent unauthorized persons from accessing customer information and accounts.

Sharing Information
First National Bank of Trenton does not disclose personal information about customers or former customers to anyone except as lawfully necessary or required for us to conduct business and service our customer. We may share information such as the following:

Check printing companies, if you ordered checks through our bank
ATM/Debit card networks, when you order a Visa Check Card through our bank
Credit reporting agencies, when you apply for an account or loan with our bank
Service providers and companies that perform marketing services on behalf of the bank

Any service provider or company will sign a non-disclosure form, guaranteeing they will not sell or market our customer in any way other than the project they were hired to perform. Opt out agreements are not used by us since we do not sell or share any information except as needed to service our customers.

Maintenance of Accurate Information
Maintaining accurate and up to date information is important to us and to our customers.
If you ever find your account information is incomplete or inaccurate, please contact us:

Telephone: 903-989-2235 or any branch location
Fax: 903-989-2797
E-mail: IbankingMgr@fnbtrenton.com
Write us: P O Box 4
Trenton TX 75490

We will not furnish to any consumer-reporting agency if we know the information in incomplete or inaccurate.

Limiting Employee Access to Information
First National Bank of Trenton is committed to the security of its customer’s financial and personal information. Employee access will be limited those with a business reason to know such information. Employees are required to maintain confidentiality of customer information and to uphold privacy principles. All branch managers and operations managers are to inform employees about the importance of confidentiality and customer privacy through standard operating procedures and training procedures.

Safeguarding the Security of Customer Information
First National Bank of Trenton is committed to preventing others from unauthorized access to customer information. Operational and data processing systems are in a secure environment that protects information from being accessed by third parties. Internal procedures limit access to customer information. Employees must have a business need to access customer information. Management will take appropriate disciplinary measures to ensure adherence to this policy.

In order to protect customer information, we may limit information that is provided by phone. Callers must positively identify themselves before any information will be given.
Employees are instructed to make positive id and to refrain from giving information if they are not sure the person they are talking to is the person who owns the account.

Computer databases that are accessible by phone or Internet are separate from the bank’s core processing system. They are protected by firewalls and virus protection systems. Appropriate steps are taken to ensure all printed confidential customer information is disposed of in a manner that will maintain confidentiality for that information. Access controls, by the use of passwords, are utilized to further ensure confidentiality of information.

Disclosure of Privacy Principles to Customers
We value our customer relationships. Customers are entitled to information that details how we use information they provide and our commitment to ensuring their personal and financial privacy is not violated. If anyone believes a customer’s confidentiality has been breached, a supervisor or an officer should be notified immediately so management is aware and can handle it appropriately. If a customer has a privacy question that cannot be answered, they are to be referred to a bank officer.

Internet Banking Privacy Policy
First National Bank of Trenton recognizes the importance of protecting the privacy of Personal Information about our customers and others who visit our web site. This information includes all the data collected when you apply for any of our accounts, use any of our online services, use any of our online financial tools, or when you send us an e-mail.

First National Bank is committed to protecting the information you provide to us. As your community bank, we follow a strict set of principles that include:

Financial information is personal. We realize the importance of keeping it accurate and confidential
We will only access your information when it is needed to provide services you have requested or to maintain your accounts
We have described below the circumstance under which we may receive Personal Information. If you have any questions that are not answered in this section, please send us an e-mail at IbankingMgr@fnbtrenton.com.

Login
When you log in to Online Banking and Bill Pay, we will set a “cookie”. A cookie is a bit of information stored in the user’s browser cache. This information allows us to keep track of users while on our systems, and, if necessary, automatically log the customer off if there is no activity after a pre-determined period of time. Cookies will not contain information that would enable anyone to contact you via telephone, e-mail, or traditional mail. Upon termination of an on-line session, the cookie is automatically destroyed.

Enrollment
When you enroll and provide personal information, such as address, e-mail address, and phone numbers, we will not share (disclose) it to third parties without your consent. We will maintain information according to our usual strict security and confidentiality standards.

Applications
During on-line applications, we will request personal information only to assist in establishing new relationships with you, our customer. This information may be shared with departments of the bank, but again, will not be disclosed to any third parties without your consent.

Site Enhancements
We will collect the domain name of visitors to our site and aggregate information on certain criteria to continually improve the content and functionality of our site. Some of the information we gather includes: pages accessed by each visitor, time of day the site is accessed, pages visited most/least, from which Internet Service (i.e.-AOL, ATT,etc), even which browser the customer uses.

E-mail
Should a customer communicate with us via e-mail, this information is retained to allow us to address your request/concerns.

Commitment to Excellence
To ensure that you continue to find value in your relationship with First National Bank of Trenton, we will continue to improve the services available to our customers. To do this, we must understand what you want in financial services and the most secure and accurate way to get them to you. Hence, we will collect and use information given us by our customers to help us recognize your needs and improve our service.

We will periodically review the methods available for communicating the bank’s privacy policy and determine whether the bank’s current practices are meeting the needs of the bank and our customers.

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