Privacy Policy

First National Bank Online Banking Privacy Policy

Visitors to First National Bank’s Web site remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:

First National Bank uses this information to create summary statistics and to determine the level of interest in information available on our site.

Visitors may elect to provide us with personal information via e-mail or our online feed back section. This information is used internally, as appropriate, to handle the sender’s request. It is not disseminated or sold to other organizations.

First National Bank is committed to ensuring the privacy of its customers’ personal information. For more information regarding our Online Banking Privacy Policy, contact the bank at:

First National Bank
PO Box 989
100 West High Street
Manchester, TN 37349
Phone: 931-728-3518
Fax: 931-728-3595
E-Mail: cclay@fnbmanchester.com
Contact Person: Carla Clay

FIRST NATIONAL BANK'S PRIVACY POLICY

At First National Bank, our mission is to meet the desires of our customers. As financial service professionals entrusted with sensitive financial information, we respect the privacy of our customers and are committed to treating customer information responsibly. Our Privacy Policy serves as a standard for all First National Bank employees for collection, use, retention, and security of individual customer information.

We recognize your privacy at First National Bank, (and) we recognize that you have a right to expect your personal information to remain private and secure. We will maintain standards to ensure that your information is private and secure at all time.

In the course of doing business with you, we collect certain "nonpublic personal information" about you in order to provide you with the products and services you need. This information includes:

* Identifying information such as name, address & social security number;

* Application information such as assets & income;

* Transaction information such as account activity, account balances, and/or purchases relating to deposit, loan, and/or credit card accounts; and

* Consumer report information such as credit history

We will limit the use and collection of information about our customers to that, which is necessary to administer our business, provide superior service, and offer opportunities that we think will be of interest to customers. We will use information to help identify additional products or services, which we believe customers, might want to know about. We will use this information only in accordance with the principals set out in this Policy.

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, please notify us. We will investigate your concerns and correct any inaccuracies.

Each First National Bank employee is required to follow our Company's "Code of Conduct", which states that all customer information is considered private and privileged and is to be used solely for the purpose of providing you with the finest service available.

First National Bank is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

First National Bank does not share information about our customers with any non-affiliated 3rd parties unless law permits it. First National Bank may share information with unaffiliated companies if they provide a product or service that may benefit our customers. Whenever we do this, we carefully review the company and the product or service to make sure that it provides value to our customers. We share the minimum amount of information necessary for that company to offer its product or service.

We may also share information with unaffiliated companies when they assist us in providing our products and services to our customers; in the normal course of our business (for example, with consumer reporting agencies and government agencies). The bank may share information [when] it is legally required or permitted in connection with fraud investigations and litigation; in connection with acquisitions and sales; and at the request or with the permission of our customer.

When the Bank conducts business with third parties, it requires it vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

First National Bank recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed these Privacy Principles, which are made readily available to our customers. Customers who have questions about these Privacy Principals or have a question about the Privacy of their customer information should call the First National Bank at 931-728-3518 or e-mail us at webmaster@fnbmanchester.com.