Privacy, Security & General Information

We recognize the importance of protecting the privacy of nonpublic personal information that may be submitted to us when you visit our website.

The information we receive depends on what you do when you visit our site. How we handle the information we learn about you from your visit to our website is described below.

If you visit our site to read or download information on our web pages such as press releases and checking and savings account information:

We collect and store only the following information about you:

• name of the domain from which you access the Internet (for example, aol.com, if you are connecting from an America Online account, or princeton.edu if you are connectng from Princeton University's domain);
• date and time you access our website;
• pages you may have visited on our site; and
• Internet address of the website from where you came to visit our website.

If you visit our website to use interactive banking tools such as financial calculators and self-tests:

You may be asked for specific, actual or hypothetical information in order to complete the requested analysis or evaluation. This information is NOT retained.

If you identify yourself by sending an e-mail or submitting forms such as applications, check reorder forms, contact forms and guest registers:

You may be asked for nonpublic information such as assets, liabilities and income in order to process your email, for or application. This information may be retained by us and our affiliated companies for processing and to facilitate decisions. Information you submit to us is treated no differently than any information you might provide in a written format such as a brochure application, reorder slip to order checks, or a letter.

We will not disclose any nonpublic personal information that you provide to us unless or until you have received our specific policy disclosure and had sufficient time to opt out of certain types of information sharing as discussed in the disclosure. This disclosure is provided at the time you create a customer relationship with First National or, with your permission, within a reasonable time after you request us to expedite the establishment of a customer relationship.

Sometimes we send our consumers information about our products and services. If you do not wish to receive this information, or if you believe that your personal information is incorrect please contact us. We will investigate the situation and if appropriate update our records.

If you have any questions that are not answered in this section please contact us.

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.

Use of Information
Any person is hereby authorized to view the information available from this web site for informational purposes only. No part of the information on this site can be redistributed, copied, or reproduced without prior written consent of First National Bank of America.

Copyright Information
©1996 First National Bank of America, East Lansing, MI All Rights Reserved ©1996 The Forms Group, Scottsdale, AZ All Rights Reserved

All information in this site is protected by a compilation copyright in the United States of America based on U.S. Copyright Law (17 U.S.C. sec.101 et seq) and International Copyright Laws and may not be reproduced in whole or in part. Unless otherwise specified, no one has permission to copy or republish, in any form, any information found on this site.

Trademark Information
BankSITE(TM) is a trademark of The Forms Group.

Disclaimer of Warranties
The information contained or accessed, and references to corporations, including their services and products, are provided "as is" without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service.

Descriptions of, or references to, products, services or publications within First National Bank of America's web site does not imply endorsement of that product, service or publication. First National Bank of America makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. First National Bank of America specifically disclaims all warranties, express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose.

This publication could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein.

First National Bank of America, our employees, officers, directors and shareholders, as well as BankSITE®, are not responsible for typographical errors or errors of omission; and, we cannot guarantee that all information is accurate or complete.