Privacy Policy

Online Banking Safety Policy

Consider the following, to significantly reduce the chances of having your online banking account compromised:
1. We will never ask you for sensitive information such as bank account number, social security number or password in an email or pop-up window.
2. Always monitor your online banking account for any suspicious activity.
3. In order to mitigate the harmful effects of identity theft, we ask that you change your password regularly.
4. Contact us if you come across any email or website asking for sensitive information from THE National Bank customers.

E-Mail Policy

THE National Bank will never request confidential information through e-mail. Please report any such requests to the bank.

Privacy Policy

Recognition of Your Expectation of Privacy. We recognize that you expect privacy and security when dealing with your personal and financial affairs. We understand the need to safeguard our sensitive information about you that you have entrusted to us. We maintain standards and procedures designed to prevent misuse of this information.

Our Collection, Retention, and Use of Information about You. 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 primarily from three sources: (1) directly from you and/or your applications for products or services; (2) from credit bureaus, and (3) from your transactions with us, our affiliates or others. We use information collected 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.

Our Maintenance of Accurate Information. THE National Bank has implemented policies and procedures to assure that your financial information is accurate, current, and complete. We have procedures to respond to your requests to correct inaccurate information in a timely manner. While federal or state law requires some of these procedures, we have implemented additional procedures to maintain accurate, current, and complete financial information, including processes to update information and remove old information.

Limited Access to Information. THE National Bank has procedures in place that limit employee access to personally identifiable information to those employees with a business reason to know such information about you. We educate our employees about the importance of confidentiality and customer privacy. We take appropriate disciplinary measures to enforce employee privacy responsibilities. We also update and test our technology to improve the protection of our information about you and to assure the integrity of our information.

Sharing Information. We do not reveal nonpublic personal information about our customers or former customers to nonaffiliated third parties. The Fair Credit Reporting Act does allow banks within a holding company to share historical and transactional information regarding its customers among its affiliates. Historical and transactional information includes account number, customer name, account balance, maturity date, address, social security number, and payment history. As THE National Bank is owned by National Bancshares, Inc., an Iowa Corporation, and it in turn owns certain companies offering financial and mortgage services, we may share historical and transactional information with such affiliates. In addition, in the following instances THE National Bank may share limited information to parties outside our bank: (1) when you request or authorize us to disclose information; (2) when the information is provided to help complete a transaction initiated by you; (3) when the information is provided to a reputable credit bureau or similar information reporting agency; or, (4) when the disclosure otherwise is lawfully permitted or required. We do not provide account or personal information to non-affiliated companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

Maintaining Your Privacy in Business Relationships with Parties Outside Our Affiliated Banks and Companies. Sometimes it is necessary to provide personally identifiable information about you to a party outside our affiliated banks and companies, such as to a vendor or service company that we hire to prepare your account statements or to provide support or services for one or more of our products. We may disclose all of the information we collect, as described above, to companies that market our bank products or perform marketing services on our behalf. These vendors and service companies agree to safeguard our confidential information about you and your products and services with us and must abide by applicable law.

**THE National Bank does not endorse or guarantee the products, information or recommendations provided by linked sites and is not liable for any failure of products or services advertised on those sites.  Third party sites may have a privacy policy different than that of THE National Bank and may provide less security  than that which is provided by THE National Bank.

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