PRIVACY POLICY NOTICE FOR FIRST BANK
Protecting your privacy is important to FIRST BANK and our employees. We want you to understand what information we collect and how we use it. 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 BANK Employees for collection, use, retention, and security of non public personal information.

What Information We Collect
We may collect "non public personal information" about you from the following sources:

• Information we receive from you on applications or other loan and account forms;
• Information about your transactions with us or others; and
• Information we receive from third parties such as credit bureaus.

"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 your account balance, payment history, and overdraft history.

What Information We Disclose

1. We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic information about you to 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 anyone, except as permitted by law.
   
   If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.
   
2. We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:
   
   • Information we receive from you on applications or other forms, such as "your name, address, social security number, phone number and income"
     
   • Information about your transactions with us or others, such as "your account balance, payment history, parties to transactions, and credit card usage"; and
     
   • Information we receive from a consumer reporting agency, such as " your creditworthiness and credit history".

Other Security Procedures
We also take steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. Employees who violate these standard will be subject to disciplinary measures. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your non public personal information.

Cookie Technology
Many commercial websites use a technology called "cookies" to provide you with tailored information from their website. FIRSTBANK's website does not use "cookie" technology. We make no attempts to identify individual users unless illegal behavior is suspected.

Our Internet Web Site
Visitors to the FIRST BANK Web site remain anonymous. We do not collect personal identifying information about site users, unless you choose to provide such information to us. Standard software is used to collect and store ONLY the following non-identifying information about our visitors; the name of the domain from which you access the Internet (for example, aol.com, if you are connecting from an America Online account, or iastate.edu if you are connecting from Iowa State University's domain); the date and time you access our site; and the Internet address of the Web site from which you linked directly to our site.

If you submit an online application, it will be transmitted over a 128-bit encrypted secure server and will alert you to this fact. This is the case where confidential information such as your account number or social security number is requested.

Visitors may elect to provide us with personal information via e-mail. This information is used internally, as appropriate, to handle the sender's request and manage the FIRST BANK Web site. It is not disseminated or sold to other organizations. Visitors should, however, keep in mind the e-mail is not necessarily secure against interception. If you do not agree with the use of this information, or are not comfortable with the level of privacy please cancel e-mail before it is sent. Visitors should call us directly at (515) 225-2641 if requests or statments include sensitive or private information, such as your account numbers, credit card numbers or social security number. FIRST BANK will NEVER ask you for your Personal Identification Number (PIN) for your FIRST BANK ATM card or Debit card. If you are asked for this information, please call (515) 225-2641 and report it to a customer service representative immediately.

Protecting Children
FIRST BANK does not knowingly solicit data from children, and we do not knowingly conduct online marketing to children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.

If you believe FIRST BANK has misused information obtained through our relationships with you or through our Web site, or if you have questions or concerns regarding this privacy policy, please contact FIRST BANK at (515) 225-2641 to resolve any disputes.