Privacy Policy

This is the privacy policy of the FIRST NATIONAL BANK of SHINER.

The words "you" and "your" in this notice means any consumer customer with a continuing account relationship with us, such as:
· Deposit accounts
· Loan accounts
· Safe deposit boxes
· Individual Retirement Accounts where we act as custodian

"We", "our", and "us" means the FIRST NATIONAL BANK of SHINER. Other terms used in this policy that need to be defined are:
· Nonpublic personal information -- This is information that we collect when providing a product or service to you. It does not include information that can be collected from a public source such as a telephone directory or public records.

· Affiliate -- An affiliate is a company that we would own or control, one that would own or control us, or a company that is owned or controlled by the same company that would own or control us. Ownership in this definition means controlling ownership.

· Nonaffiliated third party -- A nonaffiliated third party is a company that is not an affiliate of ours.

INFORMATION WE COLLECT

Nonpublic personal information about you is collected from:
· applications or other forms we receive from you
· your transactions with us
· your transactions with nonaffiliated third parties
· a consumer reporting agency

We do not disclose nonpublic personal information to anyone, except as authorized by law.

CONFIDENTIALITY, SECURITY AND INTEGRITY OF NONPUBLIC PERSONAL INFORMATION

Access of nonpublic personal information is restricted to the employees that need to know this information in order to provide you with products and services. Physical, electronic, and procedural safeguards are maintained in accordance with federal regulations to keep your nonpublic personal information secure.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES

Our relationship with you is important to us, therefore we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS

We do not disclose nonpublic personal information about our former customers.

First National Bank of Shiner
103 West 7th Street · P.O. Box 607
Shiner, TX 77984
phone: (361) 594-3317 · fax: (361) 594-4392
e-mail: web@fnbshiner.com
http://www.fnbshiner.com