Privacy Policy

What does FIRST NATIONAL BANK of SHINER 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 Income.
• Account Balance and Payment History
• Credit History and Credit Score

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 chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does the bank 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 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	YES
For our affiliates' everyday business purposes -- information about your creditworthiness	NO	YES
For nonaffiliates to market to you --	NO	YES

Questions?

Call 361-594-3317 or go to www.fnbshiner.com.

Who we are
Who is providing this notice?	First National Bank - Shiner
What we do
How does First National Bank 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 collect my personal information?	We collect your personal information, for example, when you • open an account or deposit money • pay your bills or apply for a loan • use your credit or debit card
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.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies, including • Insurance agents • Financial advisors • Other banks owned by the holding company which owns us
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Insurance agents • Financial advisors • Other banks owned by the holding company which owns us
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Rev 01/2011

Cuero National Bank 1800 North Esplanade Street · PO Box 889 Cuero, Texas 77954 ph: (361) 277-3100 · fax: (361) 277-3104	Flatonia National Bank 114 North La Grange Street · PO Box 130 Flatonia, Texas 78941 ph: (361) 865-3800 · fax: (361) 865-3584
First National Bank of Shiner 103 West 7th Street · PO Box 607 Shiner, Texas 77984 ph: (361) 594-3317 · fax: (361) 594-4392 e-mail: web@fnbshiner.com http://www.fnbshiner.com