First National Bank is committed to providing you with superior service along with the highest level of security and privacy. We value your trust and adhere to strict standards of confidentiality.

Customer Information We Collect

We collect customer information about customers from several sources. Some information is provided to us by you through applications or other forms. Other information is created by us or our affiliates in the course of providing you with products and services. For example, we receive information from consumer reporting agencies. Additional information comes from outside sources.

Although we do not collect any personally identifiable information about persons who simply visit our web site, we may use standard software to collect non-identifying information such as:

• The date and time our site was accessed and
• The visitor's IP address. (An IP address is a numeric address assigned automatically to a computer when it accesses the Internet. It is not linked to any personally identifiable information.)
• We may use cookies to track a visitor's use of our web site. A cookie is a short piece of data that is stored on your hard drive. We may use cookies to help estimate the number of visitors to our site and to determine which areas are the most popular. We also use a cookie to record whether or not you have previously accepted certain disclosures.

In accordance with the Children's Online Privacy Protection Act of 1998, First National Bank does not actively or passively collect data from anyone under the age of 13 who visits the Bank's web site. First National Bank does not ask for any information on its web site which would identify a person visiting the web site or the age of the visitor.

Policy on Disclosing Customer Information

We do not disclose customer information we collect about our customers to third parties outside of First National Bank, except as provided below:

• To maintain or service the customer's account with the bank;
• As necessary to effect, administer, or enforce a transaction;
• In order to service or process a financial product or service that the customer requests;
• As required by law.

We may share information with companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. Information shared is bound by strict confidentiality guidelines and shared based on our determination that doing so may be beneficial to the customer.

Limited Employee Access

First National Bank limits employee access to your personal information to only those employees who need to know that information to provide products or services to you. We educate all employees about the importance of confidentiality and customer privacy.

Security

First National Bank maintains physical, electronic, and procedural safeguards to guard your non-public personal information.

Regular unencrypted Internet e-mail may not be secure. For security reasons, we recommend that you use such e-mail only for general inquiries that do not involve sensitive or confidential information. If you are uncertain about the security of e-mail or the confidentiality of any message please feel free to contact us by phone, or mail using the addresses provided on our Branch Locations page, or please feel free to visit your local office.

More Information

First National Bank is committed to ensuring your privacy. For more information regarding the privacy of our customers' information, please contact your local First National Bank office or our Compliance Officer at First National Bank, 402 North 8th Street, Manitowoc, WI 54221-0010 or phone (920) 684-6611.