ONLINE PRIVACY STATEMENT
THE MORTGAGE GROUP OF FIRST NATIONAL BANK OF GRANBURY


At The Mortgage Group of FNB, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with The Mortgage Group of FNB and we are obligated to honor that relationship with great care, beginning with the nonpublic personal information you share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.

We recognize that you have a right to expect your nonpublic personal information to remain private and secure. This policy serves as the standard all First National Bank employees will follow in the collection, use, retention and security of your nonpublic personal information.

What Information We Collect

We collect "nonpublic personal information" about you from the following sources:

  • Information we receive from you on applications or other forms,
  • Information about your transactions with us or others, and Information we receive from third parties such as credit reporting agencies.

"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding a deposit, your account balance, and your loan payment history.

We recognize the importance of protecting children's identities and privacy online. Our web site is not directed at children and we do not knowingly collect or maintain personal information from children.

What Information We Share

We are permitted under law to disclose nonpublic personal information about you to third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your account or loan with us, to government entities in response to subpoenas and to credit reporting agencies. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law or required by law.

Our Confidentiality and Security Procedures (see also our Security Statement)

At The Mortgage Group of FNB, employee access to nonpublic personal information is limited to those with a business reason to know such information. (For example, to those employees who will provide our products and services to you). Employees are trained on the importance of maintaining the confidentiality of nonpublic personal information and on these privacy principles. Because of the importance of these issues, all First National Bank employees are responsible for maintaining the confidentiality of customer information and employees who violate these privacy principles may be subject to disciplinary measures up to and including termination of employment.

The Mortgage Group of FNB has established procedures to ensure that your personal information is accurate, current and complete in keeping with reasonable commercial standards. We also pledge to respond to requests to correct inaccurate information in a timely manner.

We safeguard information according to established security standards and procedures and we continually assess new technology available for protecting information. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

February 8, 2000
Revised June 13, 2000
Revised February 13, 2001