Notice of Your Financial Privacy Rights

This is our privacy notice for our First National Bank of Buffalo customers. When we use the words “you” and “your” we mean the following types of customers.

All of our consumer customers who have a continuing relationship with us, such as:

• Deposit account
• Loan account
• Credit card account
• Safe Deposit box
• Retail installment
• Contracts we hold and service

All persons (individuals) who do not have a continuing relationship with us but who may use a financial product or service we provide in isolated transactions. This includes, for example, someone who:

• Uses our ATM machine
• Purchases traveler's checks or money orders
• Applies for a loan that does not get completed
• All former customers
• All persons who use our trust department

We will tell you the sources of nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information. We first define some terms:

We, our, and us means First National Bank of Buffalo. Nonpublic personal information means the information about you that we collect in connection with providing a financial product in connection with providing a financial product or service to you.  Nonpublic personal information does not include information available from public sources, such as telephone directories or government records. An affiliate is a company we own or control, a company that owns or controls us, and a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, bur means owning enough to have control. A nonaffiliated third party is a company that is not an affiliate of ours.

The Information We Collect

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with nonaffiliated third parties

We do not disclose any nonpublic personal information about you to anyone, except as authorized by law.

The Confidentiality, Security and Integrity of Your Nonpublic Personal Information

We restrict the access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Nonpublic Personal Information and Nonaffiliated Third Parties

Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.

Nonpublic Personal Information and Former Customers

If you decide to close your account(s) or become an inactive customer, we will follow the privacy policies and practices as described in this notice.

How is my on-line information protected?

First National Bank uses multiple levels of security, beginning with the unique user ID and password assigned to each customer and by using secure 128-bit encryption software.

First National Bank uses PassMark multi-factor authentication to identify you as a customer and to allow you to be sure you are entering the correct eBanking site. Click here for more information on PassMark security.

If you have questions about our Online Privacy Statement, please contact us.