Privacy Statement

Rev October 2022

FACTS	*WHAT DOES FIRST NATIONAL BANK OF TENNESSEE* DO WITH YOUR PERSONAL INFORMATION?**
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.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and Income Account balances and Payment history Credit history and Transaction history When you are no longer our customer, we continue to share your information about you according to our policies as described in this notice.
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 First National Bank of Tennessee chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information		Does First National Bank of Tennessee share?	Can you limit this sharing?
For our everyday business purposes: Such as to process your transactions, maintain your Account(s), respond to court orders and legal investigations, or report to credit bureaus		Yes	No
For our marketing purposes: To offer our products and services to you		Yes	No
For joint marketing with other financial companies		No	We Don’t Share
For our affiliates’ everyday business purposes: Information about your transactions and experiences		No	We Don’t Share
For our affiliates’ everyday business purposes: Information about your creditworthiness		No	We Don’t Share
For our affiliates to market to you		No	We Don’t Share
Questions? Contact us at 931.823.1261
FACTS	*WHAT DOES FIRST NATIONAL BANK OF TENNESSEE* DO WITH YOUR PERSONAL INFORMATION?**
Sharing Practices
*How does First National Bank of Tennessee* notify me about their practices?**		We must notify you about our sharing practices when you open an account and if certain types of changes are made to privacy policies and practices while you are a customer.
*How does First National Bank of Tennessee* 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.
*How does First National Bank of Tennessee* collect my personal information?**		We collect your personal information, for example, when you open an account or deposit money pay your bills online or apply for a loan use your credit card or debit card We also collect your personal information from others, such as credit bureaus.
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 to market to you nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
Definitions
Everyday business purposes		The actions necessary by financial companies to run their business and manage customer accounts, such as process transactions, mailing, and auditing services providing information to credit bureaus responding to court orders and legal investigations
Affiliates		Companies related by common ownership or control. They can be financial and nonfinancial companies. First National Bank of Tennessee does not share with our affiliates.
Nonaffiliates		Companies not related by common ownership or control. They can be financial and nonfinancial companies. First National Bank of Tennessee does not share with nonaffiliates so they can market to you.
Joint Marketing		A formal agreement between nonaffiliated financial companies that together market financial products or services to you. First National Bank of Tennessee doesn’t jointly market.