At First National Bank, we take the issue of privacy very seriously. We recognize that you expect privacy and security for your personal and financial affairs. We understand the need to safeguard our sensitive information about you that you have entrusted to us. In order to extend this trust, we have developed the following privacy policy. This policy applies to both current and former customers.

You can visit this site to find out about our products and services without giving us any information about yourself. Currently, First National Bank collects information online through Voluntary Submissions and Cookie Technology.

Voluntary Submissions
First National Bank may collect information from a user through voluntary submissions. Such submissions are made in response to questions, comments, or technical difficulties. If you provide personal information, such as address, e-mail, telephone, and fax numbers, as well as demographic and customer identification, we will not disclose it to nonaffiliated third parties except as outlined below.

If you are an Internet banking customer, information is collected in order to protect access to your personal accounts and to assist the bank in completing your transactions. All personal information collected and stored by the bank is used for specific business purposes, to protect and administer your personal accounts and transactions, and to comply with state and federal banking regulations.

Cookie Technology
In order to provide better service, we will occasionally use a "cookie". A cookie is a small piece of information which a web site stores on your web browser on your PC and can be retrieved later. The cookie cannot be read by a web site other than the one that set the cookie. We use cookies for a number of administrative purposes, for example, to store your preferences for certain kinds of information or to store a password so that you do not have to input it every time you visit our site. Most cookies last only a single session or visit. First National Bank will not use any cookies that contain information that will enable anyone to contact you via telephone, e-mail, or the U.S. Postal Services. You can set your web browser to inform you when cookies are set to prevent cookies from being set.

Collection and Retention of Customer Information
We limit the amount and type of customer information we collect and retain to that which is required to establish and manage customer accounts, understand customer needs, provide customer services, offer new products and services, and comply with legal and regulatory requirements.

Maintenance of Accurate Information
It is in the best interest of both you and the bank to maintain accurate records concerning your personal 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, contact us or call 1-870-239-8521 or notify us by mail at First National Bank, P.O. Box 700, Paragould, AR 72451.

Limitations on Employee Access to Information
Employee access to personally identifiable customer information is limited to those with a business reason to know such information. The importance of maintaining the confidentiality of customer information is stressed to each employee of First National Bank.

Security Procedures to Protect Information
We maintain security standards and procedures to help prevent unauthorized access to confidential information about you. We update and test our technology to improve the protection of our information about you and to assure the integrity of our information.

Restrictions on the Disclosure of Account Information
We do not reveal specific information about your accounts or other personally identifiable data to unaffiliated third parties for their independent use, unless (1) the information is provided to help complete a transaction initiated by you; (2) you request it; (3) the information is provided to a reputable credit bureau or similar information reporting agency; or (4) the disclosure is required by or allowed by law (e.g., subpoena, investigation of fraudulent activity, request by regulator, etc.).

We do not provide account or personal information to unaffiliated third parties for the purpose of independent telemarketing or direct mail marketing of any kind.

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