| At The First National Bank of Talladega, our customers are our highest priority. So naturally we want to protect the personal and financial information you've entrusted with us. For this reason, we would like to explain some of our procedures which are intended to protect your privacy.
Please note that to protect your privacy, we cannot accept communications from someone claiming to represent you, unless the party acting for you is your attorney, guardian, trustee, or is otherwise authorized by law to represent you. If you have any general questions about privacy, please feel free to call (256) 362-2334. Recognition of a Customer's Expectation of Privacy
We recognize and respect your privacy expectations as a customer. Use, Collection and Retention of Customer Information
We will collect, retain and use information about our customers only where the institution reasonably believes it would be useful (and allowed by law) to administering our Bank's business and to provide products, services and other opportunities to its customers. Maintenance of Accurate Information
We will establish procedures so that a customer's financial information is accurate, current and complete in accordance with reasonable commercial standards. We will also respond to requests to correct inaccurate information in a timely manner. Limiting Employee Access to Information
We will limit employee access to personally identifiable information to those with a business reason for knowing such information. We will also educate our employees so that they will understand the importance of confidentiality and customer privacy. We will also take appropriate disciplinary measures to enforce employee privacy responsibilities. Protection of Information via Established Security Procedures
We will maintain appropriate security standards and procedures regarding unauthorized access to customer information. Restrictions on the Disclosure of Account Information
We will not reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence, unless - the information is provided to help complete a customer-initiated transaction;
- the customer requests it;
- the disclosure is required by/ or allowed by law (e.g., subpoena, investigation of fraudulent activity, etc.);
-the customer has been informed about the possibility of disclosure for marketing or similar purposes through a prior communication and is given the opportunity to decline (i.e., "opt out"). Maintaining Customer Privacy in Business Relationships with Third Parties
If personally identifiable customer information is provided to a third party, we will insist that the third party adhere to similar privacy principles that provide for keeping such information confidential. 
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us, when used in this notice, mean The First National Bank of Talladega.
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
Self-directed Individual Retirement Account
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."
THE INFORMATION WE COLLECT
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 other parties
Information from a consumer reporting agency
INFORMATION WE DISCLOSE ABOUT YOU
We do NOT disclose any information about you to anyone, except as permitted by law.
This might include disclosures necessary to service your account, perform joint marketing or
prevent unauthorized transactions.
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
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.
INFORMATION ABOUT FORMER CUSTOMERS
We do not disclose information about former customers, except as permitted by law. BLG837
© 2000 Bankers Systems, Inc., St. Cloud, MN
Form PRIV-DISC 9/4/2001 1.8.1/1215
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