Privacy Statement

Introduction
At First Bank, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with First Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. As financial services professionals entrusted with sensitive information, we respect the privacy of our customers and are committed to treating customer information responsibly. Our Customer Information Privacy Policy serves as a standard for all First Bank employees for the collection, use, retention, and security of individual customer information.

Customer Expectation of Privacy
At First Bank, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. While information is critical to provide quality service, we recognize that one of our most important assets is our customers' trust. We will maintain standards to ensure that your information is private and secure at all times.

Customer Benefits of Institution's Information Management Practices
We collect, retain, and use information about you only where we reasonably believe that it will help administer our business or provide products, services, and other opportunities to you. We collect and retain information about you only for specific business purposes - and we will tell you why we are collecting and retaining it upon your request. We use information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your financial needs so that we can provide you with quality products and superior service.

Maintenance of Accurate Information
We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

Limitations on Employee Access to Information
Employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer's information and on this Privacy Policy. Because of the importance of these issues, all First Bank employees are responsible for maintaining the confidentiality of customer information, and employees who violate this Privacy Policy will be subject to disciplinary measures.

Protection of Information via Established Security Procedures
First Bank is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

Restrictions on the Disclosure of Account Information
We do not reveal specific information about your accounts or other personally identifiable data to third parties and companies for their independent use unless: 1) you request or authorize it; 2) the information is provided to help complete a transaction initiated by you: 3) the information is provided to a reputable credit bureau or similar reporting agency or collection agency; or 4) the disclosure otherwise is lawfully permitted or required. We do not provide account or personal information to non-First Bank companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

Maintaining Customer Privacy in Business Relationships With Third Parties
When the bank conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

Providing Privacy Information to Customers and Responding to Inquiries
First Bank recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed this Privacy Policy, which is made readily available to our customers. Customers who have questions about this Privacy Policy or have a question about the confidentiality of their customer information should call First Bank at 1-580-336-5562 (Perry), 1-580-725-3222 (Billings), 1-580-864-7421 (Covington),
or e-mail us.