What does First Central National Bank 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 & income   *Account balances & payment history  *Credit history & 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 customer's personal information to run their everyday business.  In the section below, we list the reasons financial companies can share their customer's personal information; the reasons First Central National Bank chooses to share; and whether you can limit this sharing.

Questions?  Call 937-663-4186 

WHO WE ARE

Who is providing this notice?  First Central National Bank

WHAT WE DO  

How does First Central 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 Central 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 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 law 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 Central National Bank has one affiliate, Central Bancshares Inc.

Nonaffiliates   Companies not related by common ownership or control.  They can be financial and nonfinancial companies.   *First Central National Bank 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 Central National Bank does not jointly market.

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