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Privacy Policy

FACTS	WHAT DOES FARMERS NATIONAL BANK DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of person information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income account balances and payment history credit history and credit scores When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Farmer National Bank chooses to share; and whether you can limit this sharing.

	FACTS	Why?	What?	How?
	WHAT DOES FARMERS NATIONAL BANK DO WITH YOUR PERSONAL INFORMATION?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.	The types of person information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income account balances and payment history credit history and credit scores When you are no longer our customer, we continue to share your information as described in this notice.	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Farmer National Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Farmers National Bank share?	Can you limit this sharing?
For our everyday business purposes- such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes- to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates' everyday business purposes- information about your transactions and experiences	No	We don't share
For our affiliates' everyday business purposes- information about your creditworthiness	No	We don't share
For nonaffiliates to market to you	No	We don't share

	Reasons we can share your personal information	For our everyday business purposes- such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	For our marketing purposes- to offer our products and services to you	For joint marketing with other financial companies	For our affiliates' everyday business purposes- information about your transactions and experiences	For our affiliates' everyday business purposes- information about your creditworthiness	For nonaffiliates to market to you
	Does Farmers National Bank share?	Yes	Yes	Yes	No	No	No
	Can you limit this sharing?	No	No	No	We don't share	We don't share	We don't share


Questions	Call 866-888-0220 or go to www.fnbky.com

		Questions
		Call 866-888-0220 or go to www.fnbky.com


Who is providing this notice?	Farmers National Bank

		Who is providing this notice?
		Farmers National Bank


How does Farmers National Bank protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Farmers national Bank collect my personal information?	We collect your personal information, for example, when you Open an account or deposit money Pay your bills or apply for a loan Seek advice about your investments We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing	Federal law gives you the right to limit only Sharing for affiliates' everyday business purposes-information about your creditworthiness Affiliates from using your information to market you Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

		How does Farmers National Bank protect my personal information?	How does Farmers national Bank collect my personal information?	Why can't I limit all sharing
		To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.	We collect your personal information, for example, when you Open an account or deposit money Pay your bills or apply for a loan Seek advice about your investments We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.	Federal law gives you the right to limit only Sharing for affiliates' everyday business purposes-information about your creditworthiness Affiliates from using your information to market you Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.


Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Farmers National Bank does not share with our affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Farmers National Bank does not share with nonaffiliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Farmers National Bank has a joint marketing agreement with Raymond James Financial Services to provide you with brokerage and investment services and insurance products.

		Affiliates	Nonaffiliates	Joint marketing
		Companies related by common ownership or control. They can be financial and nonfinancial companies. Farmers National Bank does not share with our affiliates.	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Farmers National Bank does not share with nonaffiliates so they can market to you.	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Farmers National Bank has a joint marketing agreement with Raymond James Financial Services to provide you with brokerage and investment services and insurance products.