At First National, we recognize our responsibility to keep information about you secure and confidential. We are committed to providing you exceptional services and products while still maintaining your privacy.

Unlike many other institutions, we do not sell or share Customer Information to marketers outside the First National family companies.

Also, we carefully manage information among our family of companies to give you better service, more convenience, and to offer benefits based on your overall business with us. We have taken the following steps to ensure that your privacy is protected. This policy applies only to products or services primarily for personal, family or household purposes.

Information we collect about you

We collect non-public personal information for many reasons: for identification purposes, to evaluate your application, service and manage your account, and develop our relationship with you. This information is collected from a number of sources, including:

• Information provided by you on account applications and other forms, including identifying information such as address, telephone number, e-mail address, social security number, date of birth, mother's maiden name, and credit information, such as income and employment.
• Information obtained through your relationship with us and with our affiliates, including transactions.
• Information we receive from Consumer Reporting Agencies, such as information regarding your creditworthiness or credit history.

Sharing information within First National Companies

First National may share information about you within our family of affiliates as permitted by law. Our First National companies include:

• First National Bank of Elk River
• First National Investor Services, Inc.

Sharing information with companies that work for us

We share information with other companies that work for us in order to provide products and services that you've requested. All of these companies act on our behalf and are contractually obligated to keep the information that we provide to them confidential; and use the information only to provide the services we've asked them to perform for you and us.

Sharing information with Marketing Providers

We share information we collect as described in this disclosure to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Our Security Procedures

We restrict access to non-public personal information about you to those employees who need to know specific information to provide products or services to you. Our employees are trained to respect customer privacy and to access customer information only when they have a business reason to know the information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information.

Consumer Information Sharing with Third Parties

We do not disclose any non-public personal information about our customers or former customers to anyone, except as permitted by law.

Consumer Reporting Information Sharing

If you prefer that we do not share your consumer reporting information within our First National companies, you may direct us not to by sending a written notice to:

First National
Compliance Department
812 Main Street
Elk River, MN 55330

or by sending an e-mail to us.

Please note directing us not to disclose consumer information reporting information to our affiliates does not include transaction and experience history and application information.

Once your request has been processed, it will remain in effect for the life of the account.

It's Your Choice to Stop Marketing

Occasionally First National will promote new products and services for our customers. Many customers appreciate receiving information about products and services that we have to offer. However, we want you to have a choice. You may choose not to receive these marketing offers by writing to us at:

First National
Compliance Department
812 Main Street
Elk River, MN 55330

or by sending an e-mail to us.

Once your request has been processed, it will remain in effect for the life of the account.