Welcome to Old Point National Bank - Protecting Your Privacy

FACTS	WHAT DO OLD POINT FINANCIAL CORPORATION AND ITS AFFILIATES, THE OLD POINT NATIONAL BANK OF PHOEBUS AND OLD POINT TRUST & FINANCIAL SERVICES, N.A., 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 personal 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

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 Old Point Financial Corporation and its Affiliates choose to share; and whether you can limit this sharing.

Reasons we can share your personal information	Do Old Point Financial Corporation and its Affiliates 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	Yes	No
For our affiliates’ everyday business purposes— information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	Yes	Yes

To limit
our sharing

Call us toll-free at 1-800-952-0051 between 9:00 a.m. and 5:00 p.m. Monday through Friday Eastern Time.

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.

Questions?

Call Customer Service at 757-728-1290 between 9:00 a.m. and 5:00 p.m. Monday through Friday Eastern Time.

Who we are
Who is providing this notice?	Old Point Financial Corporation, The Old Point National Bank of Phoebus and Old Point Trust & Financial Services, N.A.

What we do
How do Old Point Financial Corporation and its Affiliates 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 do Old Point Financial Corporation and its Affiliates 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 Use your credit or debit card 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 to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

Definitions
Affiliates			Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with a common corporate identity of Old Point Financial Corporation name such as The Old Point National Bank of Phoebus and Old Point Trust & Financial Services, N.A.
Nonaffiliates			Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with include Old Point Mortgage, LLC.
Joint marketing			A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include insurance and credit card companies.