THE FARMERS BANK OF APPOMATTOX

PRINCIPLES OF PRIVACY

At Farmers Bank, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with Farmers Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to 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. However rapidly we may respond to changes in technology and data processing, we at Farmers Bank also take pride in our adherence to the more old-fashioned virtue of customer confidentiality. We are committed to protect your privacy as outlined though the privacy policy below.

Recognition of a Customer’s Expectation of Privacy

At Farmers Bank, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. While information is critical to providing quality service, we recognize that one of our most important assets is our customers’ trust. Thus, the safekeeping of customer information is a priority for Farmers Bank. 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 will limit the use and collection of information about our customers to that which is necessary to administer our business, provide superior service, and offer opportunities that we think will be of interest to customers. 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 your 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

At Farmers Bank, 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 information and on these Privacy Principles. Due to the importance of these issues, all Farmers Bank employees are responsible for maintaining the confidentiality of customer information and employees who violate these Privacy Principles will be subject to disciplinary measures.

Protection of Information via Established Security Procedures

Farmers 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 safeguard information according to established security standards and procedures, and we continually assess new technology for protecting information.

Restrictions on the Disclosure of Account Information

We do not reveal specific information about your accounts or other personally identifiable data to parties outside our affiliated 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 information reporting agency; or 4) the disclosure otherwise is lawfully permitted or required. We do not provide account or personal information to non-Farmers Bank related 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

Farmers 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 these Privacy Principles which are made readily available to our customers. If you have any questions about how Farmers Bank protects your confidential information, please call your local branch.