Security Statement

Committed to Security

The First National Bank of Johnson is committed to protecting your privacy and security. We will never initiate a request for sensitive information, such as a Social Security number, account number or PIN number from you via email. We strongly suggest that you do not share this information or any other sensitive information with anyone else at any time.

Below are some of the safeguards we have in place to protect against security breaches in our online banking environment:

User ID & Password

Our system is designed to limit account access to only those possessing the Username and Password associated with the account(s).

Encryption

We have encryption technology in place that provides protection of data in transit from your computer and ours. A secure website address will begin with https:// (the “s” signifies secure). The “closed lock” icon will usually indicate whether a communication session is encrypted also.

Firewalls

Our computer systems include firewalls designed to protect against unauthorized access to our systems. We periodically monitor these safeguards to protect your privacy and security.

Timeout

Our online banking system is designed to log you off automatically after 10 minutes of inactivity.

Account Number Protection

While logged on to the online banking service, only the last 3 digits of your account number(s) will be visible. This safeguard protects against other people seeing your full account number.

Other General Online Security Practices

User ID & Passwords

Follow these rules to increase your protection:

• Never disclose your User ID or Password to anyone else.
• Change your Password frequently.
• Memorize your User ID and Password.
• Do not use birth dates, names or other easily guessed information.

Log Off

After finishing your online banking transactions, be sure to log off your account. Logging off is recommended before turning your computer off or moving to other websites.

Email

Do not email us with sensitive personal information, usernames, or passwords. We will never email you and ask for these types of information. Do not reply to emails asking for this information.

Unfortunately, online fraud and identity theft are major problems. Deceptive emails are popular ways for thieves and hackers to steal your personal information. A common scam includes an email asking you to click on a link that takes you to another website or popup window where you are asked to confirm, provide, verify or update sensitive information. These emails, websites, popup windows and links appear to be ours; however, they lead only to lawbreakers. If you receive these types of emails or any other suspicious online material, please contact us using any of the telephone numbers located on the Contact Us page.

Personal Computer Safety

Keep your computer protected:

• Keep your operating system up to date.
• Install dependable firewalls and popup blockers.
• Avoid downloading files or programs from unknown sources.
• Scan your computer for spyware and viruses regularly.

Additional Ways to Protect Yourself

• Shred materials containing personal information rather than throwing them away.
• Do not carry your Social Security card, birth certificate, or passport in your wallet or purse.
• Do not print your Social Security number or your driver’s license number on your checks.

If you are a victim of identity theft, please follow these steps:

1. Contact the fraud departments of each of the three major credit bureaus and report that your identity has been stolen. Ask that a “fraud alert” be placed on your file and that no new credit be granted without your approval.
   • Equifax: 1-888-766-0008
   • Experian: 1-888-397-3742
   • TransUnion: 1-800-680-7289

2. For any accounts that have been fraudulently accessed or opened, contact the security departments of the appropriate creditors or financial institutions to close these accounts.
3. File a report with your local police or the police where the identity theft took place. Get a copy of the report in case the bank or credit institution needs proof the crime.

Mobile Banking

First National Bank of Johnson provides limited Online Banking functionality from most mobile devices with an Internet browser through our Mobile Banking product at www.fnbjohnson.com. In order to use Mobile Banking, you must have a mobile device. “Device” means a supportable mobile device such as a cellular phone or other mobile device that is web-enabled and allows SSL traffic. You may also download a Mobile Banking application for the iPhone, iPad or Android devices. We reserve the right to modify the scope of the Mobile Banking Services at any time.

We will not be liable to you for any losses caused by your failure to properly use Mobile Banking or your wireless device. You agree that when you use Mobile Banking or a Mobile Banking Application, you will remain subject to the terms and conditions of all your existing agreements with us and our affiliates. You also agree that you will be subject to the terms and conditions of your existing agreements with your mobile service carrier or provider (e.g. AT&T, Verizon, Sprint, T-Mobile, U.S. Cellular, etc.). You understand that those agreements may provide for fees, limitations and restrictions that might impact your use of Mobile Banking (for example, your mobile service carrier or provider may impose data usage or text message charges for your use of or interaction with Mobile Banking, including while downloading the Mobile Banking App, sending or receiving text messages, or other use of your wireless device). You agree to be solely responsible for all such fees, limitations and restrictions.

If you use any location-based features of Mobile Banking, you agree that your geographic location and other personal information may be accessed and disclosed through Mobile Banking. If you wish to revoke access to such information, you must cease using any location-based features of Mobile Banking.