The best line of defense against fraud..... begins with you. Be proactive, CHECK YOUR ACCOUNT ACTIVITY DILIGENTLY... on your statement, online at www.fnbwilliamson.com, through our automated account information line at 304-235-5100 or 606-432-3996, or just call us. If you are not signed up for online banking or do not have access to our automated account information line and would like to use these services, call us and we'll be glad to get you started.  If you need assistance or discover any suspicious or fraudulent activity involving your account, please call our Operations Department at 304-235-5300 Monday-Friday from 8:00AM-8:00 PM ET. Pikeville area callers can reach us by calling the Pikeville branch at 606-432-5340 and asking to be transferred. The following list contains valuable tips is presented to help you protect yourself. Working together, we'll ensure that you enjoy a safe relationship with First National Bank and help you avoid falling victim to account fraud, electronic crimes or identity theft. Preventing Identity Theft Your trust in First National is important to us. We want to help you guard against disclosure of your personal information that could lead to unauthorized use of your account or identity theft. First National will not contact you via email, phone or mail to request or verify security information about passwords or personal identification numbers (PINs). For your protection and privacy, First National representatives will ask for certain information to verify your identity when speaking with you, however that information will not include your PINs, passwords, or other like information. Tips for Protecting Your Information Online Beware of fraudulent emails or websites known as "phishing"* or "web spoofing"** that appear to be from First National or other legitimate sites. Always go directly to First National's website by typing "www.fnbwilliamson.com" directly into the browser address bar. Never click on unverified links in emails, in pop-up ads, or on other unknown sites. These emails and links may ask for personal information or redirect you to illegitimate sites that look like First National's site or appear to have the First National URL address in the browser address bar. Maintain and run updated virus, firewall, browser, spyware, and security software on your computer. Review your Internet and email software's security settings. Be cautious about opening email attachments from unknown parties or downloading files from unverified locations. Many of these files contain spyware or key-logging programs that can send information back to a malicious site. Beware of using non-encrypted wireless connections with computers, phones, and portable devices to send sensitive information from public wireless locations or even from home wireless networks. Using scanning devices, individuals can intercept unencrypted signals and view or obtain your information. Beware of "shoulder surfers" while using a computer in public areas who may be trying to intercept your passwords or information. Use strong passwords with a combination of uppercase and lowercase letters, numbers, and symbols. Change passwords periodically, and always change pre-assigned temporary passwords. When creating PINs and passwords, do not use birth dates, addresses, phone numbers, etc. that are easily guessed from personal information. Never use the "save ID and password" option in your browser at home, or on a laptop or public computer. Do not email personal and financial information to non-secure sites. Because of the potential for loss, avoid storing personal information on a laptop computer. Properly dispose of old computers and ensure all sensitive information is removed from the hard drive. Reformatting the hard drive may not be sufficient-use specialized software to erase information. *Phishing is a form of identity theft in which deception is used to entice a user into revealing personal and confidential information such as credit card numbers, banking information, social security numbers, pin numbers etc. Spear Phishing is the act of deception where customized spoof e-mails that appear to come from trusted sources and ask recipients to part with confidential information. **Web Spoofing is a technique used to gain unauthorized access to computers, whereby the intruder sends messages to a computer with an IP address indicating that the message is coming from a trusted host. Top-of-Page Tips for Protecting Your Information Offline Don't give out financial or personal information online or on the phone unless you initiated the contact and know the party with whom you're dealing. Safeguard ATM, credit and debit cards-only carry cards you use. Report lost or stolen cards or checks immediately. Memorize personal identification numbers (PINs) and passwords. Never write them on access cards or store them where they can easily be found, such as in wallets, purses, and desks or on computers. Destroy unnecessary financial documents by using a crosscut shredder, including old bank statements, invoices and unwanted pre-approved credit and other financial offers. Promptly retrieve incoming mail, or get a Post Office box or locking mailbox. Don't put outgoing mail in your residential mailbox, where thieves could get your personal and financial information. If regular bills or statements stop reaching you, take action. Call the company's customer service number (call First National Bank at 304-235-5300 or 606-432-5340). Someone may have filed a change-of-address form to divert your mail. Review account statements promptly and match credit card receipts. Don't ignore suspicious charges. If doubtful or unauthorized charges appear on your bills or statements, call immediately to resolve the discrepancy. Keep personal information off your checks. Never preprint your driver's license or Social Security number on your checks. Remove your Social Security number from your driver's license. Beware of incoming phone calls from "imposters" that ask you to disclose information by pretending to be fraud investigators or customer service agents calling with an urgent problem about your account. One fraud involves imposters asking only for the three-digit code on the back of your credit card to "verify" possession. When in doubt as to a caller's identity, always ask to call back at what you know to be a valid customer service number. Review your credit report periodically. Top-of-Page Balance Your Bank Statement The best way to protect yourself from losses due to errors or fraudulent transactions is to BALANCE YOUR BANK STATEMENT each month (or statement period)! The sooner you notify the bank the less you are likely to lose. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS WRITE US AT: AUDITOR* THE FIRST NATIONAL BANK P.O. BOX 787 WILLIAMSON, WV 25661 OR CALL 304-235-5300 for Williamson, WV area customers, and 606-432-5340 for Pikeville, KY area customers. WE MUST HEAR FROM YOU NO LATER THAN 60 DAYS AFTER WE SENT YOU THE FIRST STATEMENT ON WHICH THE ERROR OR PROBLEM APPEARED. 1.) Tell us your name and account number. 2.) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there is an error or why you need more information. 3.) Tell us the dollar amount of the suspected error. We will investigate your complaint and will correct any error promptly.** If we take more than 10 business days to do this, we will recredit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If you tell us orally, you must confirm your complaint in writing within 10 business days or we are not required to recredit your account until we complete our investigation. * In lieu of notifying the Auditor, you may direct your questions to the Operations Department at 304-235-5300. The Operations Department will perform the initial investigation and gather necessary documentation. ** As a part of our investigation, we may request that you file a report with an appropriate law enforcement agency and provide the bank a copy of that report. Top-of-Page Check Your Credit Report First National Bank recommends that you periodically check your credit report. For a fee, you can obtain a copy of your credit report at any time from one of the three major credit bureaus: Equifax: 800-685-1111 or www.equifax.com Experian: 888-397-3742 or www.experian.com TransUnion: 800-916-8800 or www.transunion.com   Other Helpful Information For additional information about account fraud and identity theft, you can visit these websites: Federal Trade Commission: www.consumer.gov/idtheft/ Internet Fraud Complaint Center: www.ifccfbi.gov Identity Theft Resource Center: www.idtheftcenter.org By clicking these links you will be leaving First National Bank's web site. First National Bank assumes no liability for the content, information, security, policies or transactions provided by other sites. Top-of-Page

The First National Bank of Williamson Member FDIC ** Equal Housing Lender