Privacy

The banking industry has a tradition of safeguarding customers' personal financial information. At the Bank of Floyd, Cardinal Bankshares Corporation and FBC, Inc., we are committed to maintaining your financial privacy and complying with laws and regulations designed to secure that privacy. While information is fundamental to our ability to process your transactions and provide you with high quality service, we recognize the importance of keeping your personal and account information confidential and secure. The policy below outlines our standards for collection, use and security of our customers' personal financial information.

Categories Of Information That We May 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, our affiliates, or others.
• Information we receive from a consumer reporting agency.

Categories of Information That We May Disclose

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

Information We May Disclose to Service Providers/Joint Marketers

We may disclose all of the information we collect, as described above with the exception of information we collect from consumer reporting agencies to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Safeguarding Your Personal Information

We restrict 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 standards to guard your nonpublic personal information.