FACTS	WHAT DOES FIRST NATIONAL BANK OF WILLIAMSON DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial institutions choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: n        Social Security number and income n        Account balances and payment history n        Credit history and credit scores When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial institutions need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial institutions can share their customers’ personal information; the reasons First National Bank of Williamson chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information				Does First National Bank of Williamson share?	Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus				Yes	No
For our marketing purposes— to offer our products and services to you				Yes	No
For joint marketing with other financial companies				No	No
For our affiliates’ everyday business purposes— information about your transactions and experiences				No	No
For our affiliates’ everyday business purposes— information about your creditworthiness				We do not share	No
For affiliates to market to you				We do not share	No
For non-affiliates to market to you				We do not share	No
Questions?	Call (304) 235-5300 or go to www.fnbwilliamson.com
Who we are
Who is providing this notice?		First National Bank of Williamson
What we do
How does First National Bank of Williamson protect my personal information?		To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does First National Bank of Williamson collect my personal information?		We collect your personal information, for example, when you n        open an account, deposit money, or apply for a loan   We also collect your personal information from others, such as credit bureaus or other companies.
Why can’t I limit all sharing?		Federal law gives you the right to limit only n        sharing for affiliates’ everyday business purposes—information about your creditworthiness n        affiliates from using your information to market to you n        sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates			Companies related by common ownership or control. They can be financial and nonfinancial companies. n        First National Bank of Williamson has one affiliate.
Non-affiliates			Companies not related by common ownership or control. They can be financial and nonfinancial companies. n         First National Bank of Williamson does not share with non-affiliates.
Joint marketing			A formal agreement between nonaffiliated financial companies that together market financial products or services to you. n        First National Bank of Williamson does not participate in joint marketing.