NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

Notice of Your Financial Privacy Rights

Protecting your privacy is important to First National Bank and our employees. We want you to understand what information we collect and how we use it. Your nonpublic personal information means information about you that is not available from public sources, such as telephone directories or government records. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all First National Bank employees for collection, use, retention, and security of nonpublic personal information.

What Information We Collect

We collect "nonpublic personal in-formation" about you from the following sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us; our affiliates, or others; and
• Information we receive from a consumer reporting agency.

What Information We Disclose

We are permitted under law to share information about our experiences or transactions with you or your accounts (such as your account balance and your payment history with us) with companies related to us by common control or ownership ("affiliates").

We also are permitted under law to disclose nonpublic personal in-formation about you to "non-affiliated third parties" (third parties that are not members of our corporate family) in certain circumstances. For example, we may disclose nonpublic personal in-formation about you to such third parties to assist us in servicing your loan or account with us; to government entities in response to subpoenas; and to credit bureaus. We do not disclose any nonpublic personal information about you to any other third parties, except as permitted by law.

If you become an inactive customer, we will continue to adhere to the privacy policies and practices, described in this notice.

Our Security Procedures

We also take steps to safeguard customer information. We restrict access to your personal and account information only to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.