PRIVACY POLICY
At First Bank Richmond, protecting the privacy and confidentiality of your personal information is important to us. We value your business and the trust you put in First Bank Richmond. To offer you the financial products and services you seek, we collect. maintain, and use information about you on a routine basis. To help you better understand how your personal information is protected here at First Bank Richmond, we are providing you with the following statement describing our practices and policies with respect to the privacy of customer information. In the event you end your customer relationship with us, or become an inactive customer, we will continue to adhere to the policies and practices described in this notice.

Information We Collect

As a trusted financial institution, we collect, retain, and use nonpublic personal information about individual customers, allowed by law, to provide products and services to our customers. We may collect nonpublic personal information from such sources as:

• applications or other forms;
• information about your transactions with us, our affiliates, or others; and
• information we receive from a consumer-reporting agency.

Information We Share

We may disclose nonpublic personal information about you with our corporate affiliates and other nonaffiliated third parties under certain circumstances to provide account services. Any nonpublic personal information shared is conducted in strict adherence to applicable law. We do not disclose any nonpublic personal information about you to anyone, except as permitted under law.

Who Receives Information and Why

We do not disclose any nonpublic personal information about our customers, or former customers, to anyone, except as permitted by law. We may exchange such information with our affiliates and certain nonaffiliated third parties (under limited circumstances) to the extent permissible under law to service your account, offer you products or services we believe you may find valuable, report to credit bureaus, manage risk, and other financial service related activities.

Service Providers/Joint Marketing Partners

To provide our customers with products or services that we believe may meet your financial needs, we may exchange limited nonpublic personal information about you to nonaffiliated firms that conduct marketing services on our behalf, or with other financial institutions in order to offer financial products or services pursuant to a joint agreement.
Such information exchanges includes:

• information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income;
• information about your transactions with us, our affiliates, or others, such as your account balance, payments history, and parties to transactions; and
• information we receive from a consumer-reporting agency, such as information relating to your creditworthiness and credit history.

How We Protect Your Information

We understand that the protection of your nonpublic personal information is of the utmost importance. Guarding your privacy is our obligation. First Bank Richmond maintains strict procedures and policies to safeguard your privacy. We restrict employee access to customer information only to those who have a business reason to know such information, and we educate our employees about the importance of confidentiality and customer privacy.
For more information, please contact us at (765) 962-2581.
Copyright © 1998 First Bank Richmond, NA
All Rights Reserved
Revised : September 18, 2001

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SECURITY INFORMATION & POLICY

Sept. 2003 Rev.

SECURITY POLICY FIRST BANK RICHMOND, NA First Bank Richmond, NA hereafter referred to as the Bank, is required under the Bank Protection Act of 1968 to comply with Regulation H by establishing written administrative security procedures. The procedures will protect and discourage robbers, burglaries, and larcenies and to protect the safety of its employees, and assist in the identification and prosecution of person(s) who commit such acts. The Security Officer, as designated by the Board of Directors, is responsible for preparing the required banking office administrative security procedures including requirements for security devices, procedures for selecting, testing, operating and maintaining the security devices; procedures for opening and closing for business; procedures for safekeeping cash and securities; procedures in the event of a crime; and an annual employee training program. The Security Officer shall report annually to the Board of Directors on the implementation, administration, and effectiveness of the Security program. The Board of Directors shall annually approve the bank maximum cash exposure as recommended by the Security Officer. Each banking office and department manager or supervisor is responsible for complying with the banking office administrative security procedures. SECURITY INFORMATION Our website brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features a VeriSign-issued Digital ID for the bank's Internet Service Provider hosting our website, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic. Secure Data Transfer Once a server session is established on an https secure page, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session. Router and Firewall Secure forms must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank. Using the above technologies, your Internet loan application and check reorder transactions are secure.

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Copyright © 1998, 2000, 2001, 2002, 2003, 2004
First Bank Richmond, NA All Rights Reserved.