PRIVACY POLICY

PRIVACY IS OUR BEST POLICY.

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. When you are no longer our customer, we continue to share your information as described in this notice. This information can include:

• Social Security number and income
• Account balances and payment history
• Credit history and credit scores

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons FNB Bank Inc. chooses to share; and whether you can limit this sharing.

Questions?

Call 888-934-2538 or go to www.GrowWithFNB.com

Who we are

Who is providing this notice?

FNB Bank, Inc. 101 East Broadway, Mayfield, KY 42066

What we do

How does FNB Bank Inc. protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We restrict access to non-public personal information about you only to those employees who need it in order to provide our services to you.

How does FNB Bank Inc. collect my personal information?

We collect your personal information, for example, when you

• open an account or apply for a loan
• pay your bills or make deposits or withdrawals from your account
• use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

• sharing for affiliates’ everyday business purposes—information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Our Affiliates include financial companies such as Jackson Financial Corporation; and nonfinancial companies, such as Title Center of Greater KY, LLC.

Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
FNB Bank Inc. does not share with nonaffiliates so they can market you.

Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our Joint marketing partners include branded credit card companies.

Other Important Information

To notify us of any inaccurate information we may have reported to a consumer reporting agency, send a written notice describing the specific inaccuracy (ies) to the following address: FNB Bank, Inc., PO Box 369, Mayfield, KY 42066-0029.

FNB Bank Mobile Banking App

FNB Bank’s Mobile App collects location data in order for you to receive location based alerts and offers, find your nearest branch or ATM, and get personalized in-branch services and assistance even when the app is closed or not in use and it is also used to support advertising.

FNB Bank,Inc., Member FDIC
Rev 03/2021