Privacy
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean First National Bank.

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

• Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
• Deposit account
  
• Loan account
  
• Credit card account
  
• Safe deposit box
  
• Retail installment contract we hold and service
  
• Individual Retirement Account where we act as custodian or trustee
• All of our North Dakota commercial and agricultural accounts

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."

We collect information about you from the following sources:

• Information you give us on applications or other forms
  
• Information about your transactions with us
  
• Information about your transactions with our affiliates
  
• Information about your transactions with other parties
  
• Information from a consumer reporting agency
  
• Information we receive through our Customer Identification Program

We do NOT disclose any information about you to anyone, except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

We do not disclose information about former customers, except as permitted by law.

UNITED STATES PATRIOT ACT

When our country was attacked on September 11, 2001 our lives were forever changed. In an effort to protect you and our country, the USA PATRIOT Act was signed into law.

To help our government prevent the funding of terrorism, money laundering activities and various forms of fraud such as identity theft, the Patriot Act requires all financial institutions to obtain, verify and record information that identifies each person who opens a new account or requests a loan.

What does this mean to you?

• When you open an account, we will ask you for your name, address, date of birth, taxpayer identification number and other information that will allow us to identify you.
• We may also ask to see you drivers license or other identifying documents.

In some cases, identifications may be requested from existing customers of First National Bank if the original documentation was not obtained when the account was opened. Protection of our customers identity and confidentiality is our banks pledge to you.

We proudly support all efforts to protect and maintain the security of our customers and our country. We appreciate your cooperation in our compliance with the Federal law. If you have any questions regarding the USA PATRIOT Act please contact us.
Internet Privacy
Browsing our Site

When you visit our website to view any pages, read product information, or use our online calculators and tools, you do so without telling us who you are and without revealing any personal information. While we do not collect identifying information about visitors to our site, we do use standard software to collect information for the strict purpose of tracking activity on our site. This allows us to better understand how many people use our site and which pages and features are most popular. To evaluate the usefulness of our site, we may gather and analyze data regarding usage such as:
• The name of your Internet Service Provider,
• The website that referred you to us (if any),
• The date and time the pages were accessed, and
• The page or pages you requested.

About "cookies"
To provide better service and a more effective web site, we use "cookies" as part of our interaction with your browser. A "cookie" is a small text file placed on your hard drive by our web page server. We do not use cookies to get data from your hard drive or to get your email address or personal identifying information.
Cookies are commonly used on web sites and do not harm your system. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted. We use cookies to determine if you have previously visited our web site and for a number of administrative purpose.

How We Handle E-Mail
When you send us an e-mail to comment on something or to ask a question, we will use your e-mail address to reply to you and for a limited time we will store your e-mail address, your message and our response for quality assurance. We may also do this to meet legal and regulatory requirements. If we collect your e-mail address in this manner, we wont use it to let you know about our products and services unless you have given us permission.
This information is not given or sold to any other organization.

E-Mail Security
Regular non-encrypted Internet e-mail is not secure. In the instances where our Internet e-mail addresses are provided, these are provided for information inquiries of a non-sensitive and non-confidential nature. E-mail you send us may not be secure unless we advise you that it is secure prior to transmitting your message. Therefore, we recommend that you not send us confidential information such as social security or account numbers via unsecured email. You may also contact us by phone, U.S. mail or by visiting your nearest banking center.

On-Line Banking Security
When you bank online with us, we, along with the outside companies we work with to bring these services to you, have access to your information. Information is retained on our system or the system of the appropriate outside company, depending on what is required in order to serve you.

We use state-of-the-art Internet technology, supported by the outside companies we work with, to make online banking secure and to protect your personal information. We also require an I.D. and password or PIN to access your accounts. If you do not provide this information, we cannot establish an online banking service for you.

You can also help safeguard your personal information by taking a few simple precautions. Protect your account, PIN, and customer access numbers. Do not share your I.D. or password with anyone, change your password regularly, and remember to sign off. Never disclose confidential information to unknown callers. When banking on the Internet, be sure to use a secure browser and current virus detection software, and never open e-mail from unknown sources.

Protecting your privacy online
Whenever we ask for personal information on our web site, we use Secure Socket Layer (SSL technology) for transferring data. This technology encrypts - or scrambles - your account information so its virtually impossible to read by anyone other than employees at our Bank.

Secure Socket Layer (SSL) technology secretly encodes information that is being sent over the Internet between your computer and our Bank, helping to ensure that the information remains confidential.
The use of SSL requires that you have an SSL compatible browser. While older browser versions may support SSL sessions, we strongly recommends the following browsers.
• Windows and Unix operating systems: Netscape Navigator 4.08 of later, Netscape Communicator 4.7 or later and Microsoft Internet Explorer 4.01 or later.
• Macintosh: Netscape Navigator 4.08 or later, Netscape Communicator 4.7 or later and Microsoft Internet Explorer 4.5 or later.
You can download the latest version from either of the links below.

Microsoft Internet Explorer
Netscape Navigator

PROTECTING YOUR CHILDREN

Our website is not targeted or marketed to children under the age of thirteen. We respect the privacy of your children, and we comply with the practices established under the Childrens Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen.