Privacy Statement Liability Disclaimer for First National Bank, Orrville, Ohio

At First National, the basis of each customer relationship is trust. You have chosen to do business with First National Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us.

First National Bank operates a Web site at www.fnborrville.com. You may contact us by e-mail, by phone at (330) 682-1010, or in writing at First National Bank, VP Customer Services, P.O. Box 57, Orrville, Ohio 44667.

We will collect and store the name of the domain from which visitors and customers access our Web site, as well as the date and time. We use this information strictly for monitoring the number of visitors to different areas of our Web site. This information is not disclosed to third parties at this time. Otherwise, First National Bank does not collect any other information from children or adults at this time.

We are prohibited from conditioning a child's participation in any activity on the child's disclosing more personal information than is reasonably necessary. In addition, parents may review the information collected on their child, may have information on their child deleted, and may refuse to permit further collection or use of their child's personal information.

Schools may act as parents' agents and/or intermediaries between Web sites and parents in the notice and consent process.

Consent is not required to respond to a one-time request from a child for information. Also, any operator may enter a child in a contest or send an online newsletter, as long as the parent is given notice of these practices and an opportunity to prevent further use of their child's information.

Employees of First National Bank have access to your information only when it is necessary for them to assist you in the completion of transactions or in the sale of additional financial services. First National employees are held to strict confidentiality standards through established bank policies and procedures regarding confidentiality and ethics. If an employee violates the privacy policy outlined here, or any other policy or procedure of First National Bank, we will take appropriate disciplinary measures against the employee and take necessary steps to safeguard any information that may be compromised.

So that we can serve you better, we may, to the extent not otherwise prohibited by law, disclose information to third parties about your accounts with us as follows:

• to consumer reporting agencies and other reputable information reporting services;
• in connection with bona fide corporate due diligence and audits;
• to help complete a transaction you initiate, including information requested to verify the existence or condition of an account;
• at your request, which may be oral, in writing, by telephone, electronic or other means we recognize;
• in response to a request from any bank or other company that is affiliated with us;
• to companies that perform service for us in connection with your accounts, such as data processing and software companies, collection agencies, and companies we have contracted with to market our products and services;
• when disclosure is required by law, such as pursuant to court order, subpoena, legal process or government agency examination or investigation, or to protect or enforce our rights. We will share only the required information.

These companies work with us, and they must keep your information confidential.



Participating merchants may verify the funds availability of your checking account by using your account number and the merchant's own Personal Identification Number (PIN). Our system does NOT tell the merchant how much is in your account. The system merely replies whether or not the check will clear if presented to the bank at that time.

We will not share your information with any company that offers products that are not related to your financial needs. We will not sell information about you to another company.

We have built additional security such as secure PIN numbers and Funds Transfer Forms into the transfer pieces of electronic banking. We require a secure web server to gain access to your accounts.

If at any time you believe that some of the information we have shared or may share is incomplete, inaccurate or not current, please let us know by writing to: First National Bank, Consumer Reporting Department, P.O. Box 57, Orrville, Ohio 44667. Simply give us your complete name, current address, phone number, and social security number. You will also need to include your account number, type of account, and the specific item in dispute, along with the reason you believe this information has been reported in error. We will do our best to correct any situation to your satisfaction as quickly as possible.

Opting-Out of Solicitations
If you do not wish to receive e-mail from First National Bank in the future, please send us an e-mail asking to be taken off our e-mail solicitation list.

Generally, we do not share nonpublic financial information about you with a nonaffiliated third party. If we ever decide to share this nonpublic financial information with nonaffiliated third parties in the future, however, we will give you notice and provide you with an opportunity to opt out by sending a "no-solicitation" request in writing to First National Bank, Attention: Customer Services, P.O. Box 57, Orrville, Ohio 44667. We will need your name, address and Social Security number if that ever happens. Non-customers will be added to our "Do Not Call" file whenever they request that we do so.

We cannot accept communications from someone claiming to represent you, unless the party acting for you is your attorney, guardian, trustee or is otherwise authorized by law to represent you.

First National Bank, Orrville, Ohio, reserves the right to accept deposits and provide loans only to individuals and businesses in our local market area.

Disclaimer of Liability
First National Bank, Orrville, Ohio, does not warrant or guarantee the content, accuracy, or suitability of any information on this site, and accepts no liability for transmission errors or delays. Further, First National Bank, Orrville, Ohio, accepts no liability for third party claims, losses, punitive or consequential damages. There are no warranties, expressed or implied, with regard to the results obtained from using any information, product or service.

User Agreement
The logos and service marks displayed on this site are the property of First National Bank and other parties. Users are prohibited from using any logos and service marks without written permission. Users are prohibited from modifying, copying, transmitting, publishing, creating derivative works, or using any content on the site for any commercial, public, or unlawful purpose. Content displayed is protected by copyright.