While information is the cornerstone of our ability to provide superior service, our most important asset is our customers' trust. At First National Bank of the Rockies® we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. Keeping customer information secure and using it only as our customers would want us to, is top priority for all at First National Bank of the Rockies.

We collect, retain, and use information about you only where we reasonably believe that it will help administer our business or provide products, services, and other opportunities to you. We collect and retain information about you only for specific business purposes - and we will tell you why we are collecting and retaining it upon your request. We use information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your financial needs so that we can provide you with quality products and superior service.

Each First National Bank of the Rockies® employee is required to follow our Company's "Code of Conduct," which states that all customer information is considered private and privileged and is to be used solely for the purpose of providing you with the finest service available. Customer information is limited to those employees with a business reason to know such information. Bank employees are responsible for maintaining the confidentiality of customer information, and employees who violate these Privacy Principles will be subject to disciplinary measures including termination of employment.

We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

We do not provide account or personal information to non-First National Bank of the Rockies® companies for the purpose of independent telemarketing or direct mail marketing, nor do we reveal specific information about your accounts or other personally identifiable data to parties outside our bank unless: 1) you request or authorize it; 2) the information is provided to help complete a transaction initiated by you; 3) the information is provided to a reputable credit bureau or similar information reporting agency; 4) the disclosure otherwise is lawfully permitted, required, or of existing public record.

Internet

You may visit our home page and find out about our products and services, check on career opportunities, and get stock quotes and information and other valuable services anonymously. We may use standard software to collect non-identifying information about our visitors, such as:

• Date and time our site was accessed
• IP address (an address given to servers connected on the Internet)
• Web browser used
• City, state, and country

The bank uses this information to create summary statistics and to determine the level of interest in information available on our site. Some areas of our Website may use "cookies" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages you use within the site and to determine if you have visited the site before. The on-line applications are encrypted and secured with Secure Socket Layer (SSL) encryption and the use of VeriSign's Digital IDs. Our Digital ID from VeriSign, Inc. allows your browser to verify FNBR's Internet Identity every time you visit our site, and ensures that the information you send to our Internet address will be delivered only to us. From our Home Page you may click on the "Site Certain" icon to verify that you are in fact on FNBR's site. This service is provided through the American Banker's Association.

At First National Bank of the Rockies®, we value our customer relationships. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how First National Bank of the Rockies protects your confidential information, please call any of our offices or contact us using the e-mail reply function.