Your financial privacy is important to First National Beatrice and its employees.  In order to bring you an extensive array of products and services, we may at times collect and share our customer information.  This notice will explain our policy for collecting, using and safe guarding your personal financial information.

Information We May Collect
We may collect nonpublic personal information about you from the following sources:
 - Information we receive from you on applications or other forms;
 - Information about you when visiting our internet website;
 - Information about your transactions with us, our affiliates, or others; and
 - Information we receive from consumer reporting agencies.

Information We May Disclose
We may disclose the following information to companies that perform marketing services on our behalf or to other financial service providers with whom we have joint marketing agreements.
 - Information we receive from you on applications or other forms, and
 - Information about your transactions with us or with our affiliates.
 
Our Security Procedures
Confidential data may be accessed only by employees with a legitimate business need for that data.  We maintain physical, electronic and procedural safegards that comply with federal regulations to protect your nonpublic personal information.

If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policy described in this publication.

Special Information Applicable to Electronic (Internet) Banking
First National Beatrice's "Privacy Principles" will apply to customers' confidential and private information with regard to both traditional and non-traditional (i.e., Internet) banking activities. However, due to the unique nature of the Internet and the ease with which information can be exchanged, First National Beatrice feels it is important for customers to be aware of the unique issues surrounding Internet Banking.

First National Beatrice requires customers to utilize specific passwords for access to confidential and private information. First National Beatrice reminds customers of their responsibility to safeguard login IDs and passwords. In addition, commercial customers should carefully screen those employees to whom user IDs and passwords are granted.

First National Beatrice utilizes encryption, firewall, router, third party verification procedures and other security software and hardware to help prevent unauthorized eavesdropping of and access to customers' confidential and private information.

First National Beatrice utilizes "cookies" to help authenticate our customers' identities and to help facilitate the exchange of information between First National Beatrice systems and our customers' systems.

First National Beatrice reminds all of our customers that links in the Bank's websites can be found to websites not under our control. These websites will not necessarily comply with First National Beatrice's "Privacy Principles" and security standards.

First National Beatrice reminds all of our customers that confidential and private information may be compromised in both traditional and non-traditional banking activities. First National Beatrice can only establish policies and procedures to help restrict use of and access to confidential and private information. If any First National Beatrice customer believes that confidential and private information has been compromised, please contact First National Beatrice immediately so that the potential breach can be investigated.

Comments or Complaints by Customers
Any comments or complaints about this policy, any privacy-related issue or any inaccuracy in customer data can be made by contacting:

John C. Rypma, President
First National Beatrice
PO Box 338 - 120 N 6th Street
Beatrice, NE 68310
402/223-4041
jrypma@fnb-beatrice.com