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.

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 transaction history
• Credit history and payment history

When you are no longer our customer, we continue to share your information as described in this notice.

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 The First National Bank of Moody chooses to share; and whether you can limit this sharing.

such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

to offer our products and services to you

information about your transactions and experiences

information about your creditworthiness

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 collect your personal information, for example, when you

• Open an account or apply for a loan
• Make deposits or withdrawals from your account
• Use your debit card or pay your bills

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.

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Our affiliates include nonfinancial companies, such as FNBTX Insurance Agency

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• The First National Bank of Moody does not share with nonaffiliates

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• The First National Bank of Moody does not jointly market