Privacy Policy

First National Bank respects your privacy. We do not collect or store information about our clients or members of the public who visit our Website, unless you identify yourself so that we can respond to an inquiry, application, or other request from you.

We do not sell or share our clients’ information, or information about visitors to our Website to third parties for their marketing programs (for products or services not offered through us). Therefore, you do not need to do anything to prevent your information from being shared.

We do, collect and store information about your Internet connection when you visit our Website to read or download information, such as our ads, information on our products and services, or make an application. We use this information to help us stay abreast of technical upgrades that can make our site more accessible to visitors and to record the date and time of your visit to our site.

We adhere to the following principles in handling information you provide when you contact us:

· We use your personally identifiable information only for the purpose for which it is originally intended.

· We maintain your personally identifiable information in secure computer systems and files and we limit employee access to those with a business reason to see it. If your request, inquiry, or other information is regarding a specific account with our bank, your information will be handled as appropriate for that account.

· Other than as noted below, we do not disclose your Internet access information to anyone outside our Bank, except to complete a transaction requested by you; in order to verify the existence and condition of your account for a third party (such as a credit bureau or merchant); in order to comply with government agency or court orders, or otherwise compelled by law; or, if you give us written permission.

· If you use our Internet Banking, online Bill Payment, or e-Statements, please read our Privacy Principles for Internet Banking, and your related Agreement for additional information.

· For general information regarding our Bank’s Privacy Principles for Individuals, please visit the link to "Privacy Principles" on our Website.

To understand in greater detail how we handle your Internet connection and personal identification information, please read the sections below.

Visiting Our Website: When you visit the First National Bank of Muscatine Web Site to read or download information, we do not collect information about you. However, we do collect and store information about your Internet connection and the date and time of your visit. Specifically, we record:

· The IP address (a numeric address given to servers connected to the Internet) of the Internet Service Provider you are using.

· The Internet address of the Web site from which you linked directly to our site, if any (for example, www.muscatine.com/chamber if you are following a link from the Muscatine Chamber of Commerce).

· The type of web browsing software you are using to view our site.

· The date and time you access our site.

This information is used to create summary statistics and to determine the level of interest in the information available on our site.

When Phoning or Sending Postal or e-Mail, or Completing Online Registration Forms: You may choose to tell us your name and address or other identifying information when, for example, you make an inquiry, comment, application, or other request that requires further correspondence.

· If you make an inquiry or comment, it will be directed to the appropriate person within the Bank, who will respond to your correspondence as appropriate.

· If you make a request that requires specific follow-up (such as request for information regarding an account you have with us or a specific transaction), the request will be forwarded to the account officer or other appropriate person within the Bank, who will research your request, and respond to you as appropriate.

· If you make application for a new deposit account or loan, the application will be forwarded to the appropriate account officer or other appropriate person within the Bank, who will make inquiries (such as credit bureau reports for loan applications) necessary to make determination as to the disposition of your application. In making such applications, you specifically authorize us to make such inquiries as appropriate. You will receive response from the account officer assigned.

If you are sending e-mail or other electronic correspondence to First National Bank of Muscatine, please remember that e-mail is not necessarily secure against interception. If your information is very sensitive, or includes personal or confidential information (such as your Bank account, credit card, or social security number), you may want to send it by postal mail to the address listed below, or personally visit one of our branches.

For Comments/Inquiries Regarding this Website, Please Contact:

Charla Schafer, Vice President / Marketing

First National Bank of Muscatine

300 East Second Street

563-263-4221 ext. 335

E-mail: info@fnbmusc.com

For Comments/Inquiries Regarding our Internet Banking, Please Contact:

Anita M. Lange, Vice President, Electronic Services

First National Bank of Muscatine

300 East Second Street

E-mail: firstnet@fnbmusc.com

For inquiries, comments, or requests regarding specific transactions, please contact (You are welcome to address your correspondence to a specific person or account officer, if applicable):

First National Bank of Muscatine

300 East Second Street

E-mail: info@fnbmusc.com

CONSUMER INTERNET BANKING PRIVACY PRINCIPLES FOR INDIVIDUALS

This document outlines our policies and procedures in collecting, maintaining, using and sharing your financial information and what we do to keep that information confidential and secure. We encourage you to read the following carefully, and print or retain it electronically for future reference.

Please note that we do not sell or share our clients’ information to third parties for their marketing programs (for products or services not offered through us). Therefore, you do not need to do anything to prevent it from being shared.

First National Bank of Muscatine and its employees continue to be committed to the belief that maintaining the confidentiality of our clients’ information is at the core of our relationship with our clients, and that it is one of our most important responsibilities. In order to provide our clients with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. We want you to understand what information we collect and how we use it.

Our Board of Directors has adopted these Privacy Principles to govern our promise to you, our consumer clients, that we will protect your trust and confidence by following these principles.

“Nonpublic personal information” is information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history.

We may collect Nonpublic Personal Information about you from the following sources:

· Information about your online transactions with us, our affiliates or others; and

· Information we receive while verifying information you provide on online applications or other forms (e.g. reports from credit reporting agencies).

We may disclose the following types of information to companies that perform marketing services on our behalf, or to other financial institutions with whom we have joint marketing agreements:

· Information we receive from you on online applications or other forms, such as your name, phone number, and address.

We do not share your nonpublic personal information or your credit reports with our affiliates for marketing purposes.

We do not share your medical or health information except to process transactions or to provide services you have requested or initiated (e.g. to purchase Credit Life & Disability Insurance, or to collect on such insurance).

We may disclose all the information we collect about you to third parties as permitted or required by law.

If you decide to close your account(s) or become an inactive client, we will continue to adhere to the privacy policies and practices described in this Notice.

One of the ways we protect your information is by limiting our employees’ access to information about you to those with a business reason to know your information. In addition, we train our employees about the importance of maintaining the confidentiality of clients’ information. Employees are taught never to discuss or disclose confidential client information either within or outside the Bank, unless required to transact proper bank business. We take appropriate disciplinary action to enforce our employees’ confidentiality responsibilities.

We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

We strongly believe that it is in our best interests as well as yours to maintain information that is as accurate as possible. We have established procedures to ensure all client information is collected and maintained as accurately and completely as possible. If you believe that our information regarding your account is inaccurate, please notify us as soon as possible. We will investigate and correct that information in a timely manner.

For inquiries, comments, or requests regarding specific transactions, please contact (You are welcome to address your correspondence to a specific person, account officer or department, if applicable):

For inquiries, comments, or requests regarding Internet Banking transactions, please contact:

CONSUMER INTERNET BANKING PRIVACY PRINCIPLES FOR INDIVIDUALS

CONTACT US: