Rev 12-31-2010

FACTS

WHAT DOES FIRST NATIONAL BANK IN PHILIP 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 balances and payment history

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

Reasons we can share your personal information

Does First National Bank
in Philip 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

For our marketing purposes-
to offer our products and services to you

For joint marketing with other financial companies

For our affiliates' everyday business purposes-
information about your transactions and experiences

For our affiliates' everyday business purposes-
information about your creditworthiness

For nonaffiliates to market to you

Questions?

Call (605) 859-2525 or go to www.fnbphilip.com

What we do

How does First National Bank in Philip 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 in Philip 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

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.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• First National Bank in Philip has no affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• First National Bank in Philip 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 in Philip doesn't jointly market