Protecting Your Privacy

At The Old Point National Bank of Phoebus and The Old Point Trust & Financial Services, N.A., the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with us and we are obligated to honor that relationship with great care. We believe that your privacy should never be compromised. In order that this shall be accomplished, we do not reveal specific information about your accounts or other personally identifiable data to parties outside of Old Point Financial Corporation and its subsidiaries unless the information is provided to help complete your transaction, you initiate and permit the exchange of information or the disclosure of information is otherwise permitted by law. Furthermore, we employ strict security policies to safeguard your information from any internal or external threats. So whether you use Internet banking, telephone banking, bank through the mail, or visit one of our offices in person, we are committed to protecting your privacy. And rest assured, we will continue to provide you with the most up-to-date safeguards possible to ensure the safety of your personal financial information, even if your formal customer relationship with us ends.

Information We Collect

We collect and keep only information that is necessary for us to provide services requested by you and to administer your business with us. We may collect nonpublic personal information about you from the following sources:

• Information we collect from you on applications or other forms, such as your name, address, social security number, assets and income;
• Information about your transactions with us, our affiliates or others such as your account balance, payment history, and parties to transactions,
• Information we receive from a consumer reporting agency, such as your creditworthiness and credit history; and
• Information we may receive about your Internet usage when you visit our Internet website.

Sharing of Information Outside the Old Point Family

From time to time, we may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. When we provide nonpublic personal information for these purposes, we require these providers to agree to safeguard your information, to use the information only for the intended purpose, and to abide by applicable law.

We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted or required by law, such as to administer your transactions or to comply with legal or regulatory requirements.

Sharing of Information Within the Old Point Family

• Information Sharing Among Affiliates

Under the Fair Credit Reporting Act, we are permitted by law to share within the Old Point family, information concerning a customer’s account history and experiences with us.

Unless you tell us not to, Old Point Financial Corporation and its family of companies, The Old Point National Bank of Phoebus and The Old Point Trust & Financial Services, N.A. may share amongst ourselves information that enables us to provide a complete financial package of products and services for all of your business and personal needs.
The information we may share includes:

• Information we obtain from your application, such as your income and your marital status;
• Information we obtain from a consumer report such as your credit score or credit history;
• Information we obtain to verify representations made by you, such as your open lines of credit; and
• Information we obtain from a person regarding its employment, credit, or other relationship with you, such as your employment history;

• Information Sharing Among Affiliates For Marketing Solicitation

Old Point Financial Corporation and its subsidiaries/affiliates, The Old Point National Bank of Phoebus and The Old Point Trust and Financial Services, N.A. are providing this notice. You may limit the Old Point Financial Corporation companies, such as The Old Point National Bank of Phoebus and The Old Point Trust and Financial Services, N.A., from marketing their products and services to you based on your personal information that they receive from other Old Point Financial Corporation companies. This information includes your income, your account history, and your credit score.

Your choice to limit marketing offers from the Old Point Financial Corporation companies will apply until you tell us to change your choice. If you have already made a choice to limit marketing offers from the Old Point Financial Corporation companies, you do not need to act again.

If you would prefer that we not share this information within our corporate family, you may direct us not to share this information by calling us toll-free at 1-800-952-0051 between 9:00 a.m. and 5:00 p.m. Monday through Friday Eastern Time Zone. PLEASE NOTE: IF YOU HAVE PREVIOUSLY INDICATED TO OLD POINT FINANCIAL CORPORATION YOUR DESIRE TO "OPT OUT" OF INFORMATION SHARING, YOUR PREVIOUS REQUEST WILL REMAIN IN PLACE - THERE IS NO NEED TO "OPT OUT" AGAIN.

An opt-out request by any party on a joint account will apply to all parties on the joint account. Opt-out requests will not apply to any information sharing that is permitted by law. Please allow sufficient time for us to process your request.

Protection of 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.

Furthermore, we recognize that when you provide medical information to us for a specific reason, you do not wish for such information to be used for other purposes.
If we collect medical information from you, we will not disclose that information unless you authorize such disclosure.

Additional standards of confidentiality protect information related to trust and fiduciary services.

Maintaining Accurate Information

Our goal is to maintain accurate, up-to-date customer records in accordance with industry standards. If we become aware of inaccuracies in our records, we will take prompt steps to make appropriate corrections.