Financial Privacy Policy

Rev. 11/2014

An introduction to this privacy policy
Facts	What does First National Bank of Johnson do with your personal information?
Why?	Financial companies 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: Social Security number and Account Balances Payment History and Credit History Transaction History and Overdraft History When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons First National Bank of Johnson chooses to share; and whether you can limit this sharing.

Reasons why we share certain data, what data we share, and if you can limit our sharing
Reasons we can share your personal information	Does First National Bank of Johnson 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	We don’t share
For our affiliates’ everyday business purposes— information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes— information about your creditworthiness	No	We don’t share
For affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	No	We don’t share

What to do if you have questions
Questions?	Call Toll Free 800-869-0438 or go to www.fnbjohnson.com

Who is providing this notice
Who we are
Who is providing this notice?	First National Bank of Johnson

What we do with your personal information, how we collect it, and why you can’t limit all sharing
What we do
How does First National Bank of Johnson 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. Employees are trained on the Bank's privacy policy and procedures to maintain confidentiality of personal information.
How does First National Bank of Johnson collect my personal information?	We collect your personal information, for example, when you: Open an account or Deposit money Apply for a loan or Provide employment information Give us your contact information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes— information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?

Definitions of terms in this privacy policy
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include Casey Agency, Inc.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. First National Bank of Johnson does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. First National Bank of Johnson doesn’t jointly market.