Disclosures

Terms of Use

PLEASE READ THE FOLLOWING TERMS OF USE CAREFULLY. THEY GOVERN YOUR ACCESS AND USE OF THIS WEBSITE.

Use and Acceptance

This website (the “Site”), and any tools and/or services (including but not limited to product or service information, promotions, news releases, online banking, data, and articles) offered and/or provided by The Farmers National Bank of Emlenton and/or its subsidiaries and affiliates (referred to collectively as “we” or “us”) through this Site (collectively, the “Services”), are offered to you conditioned upon your acceptance of these Terms of Use as written and without modification. By accessing or using this Site or any Services provided on this Site, you agree to be bound by these Terms of Use and accept them in full. If you do not agree to these Terms of Use, you may not use this Site or any Services offered or provided through this Site.

Modification without Notice at any Time

We may modify or alter these Terms of Use at any time and from time to time without notice to you. You should review these Terms of Use each and every time you use this Site or a Service to make sure you agree to them. By using this Site or any Services provided on this Site or engaging in any of the activities described in these Terms of Use after modifications or alterations have been made to these Terms of Use, you are agreeing to accept and comply with those modifications or alterations.

Authorized Use, Copyrights, Trademarks and Other Intellectual Property

This Site and the Services may contain copyrighted works and trademarks and other proprietary material owned by us or our content providers. You may use the information available from this Site for informational purposes only. You may print copies of pages from this Site for your personal purposes, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear, on the pages copied. The availability of third party data from or through this Site is not to be used as a substitute for a license or services agreement directly with the relevant content provider. Except as stated above, you may not copy, reproduce, publish, post (i.e., in any public domain, on social media or elsewhere), transmit, display, store, sublicense, transfer or distribute material or images from this Site without our express written permission or that of our content providers, as applicable (“Permission”). You may not modify, alter, revise, paraphrase, omit, or change any material or images on or from this Site without Permission. You may not create derivative works, whether based in whole or in part upon the information on this Site or any portion thereof without Permission. You may not modify, amend, reduce the size of or in any way obscure any warning, notice, liability limitation or other license provision in material or images on or from this Site. Nothing contained on this Site and/or the Services should be construed as granting, by implication, estoppel or otherwise,

any license or right in and to our trademarks or copyrighted material. The information contained in this Site is subject to change without notice.

We reserve the right to prohibit access to anyone whom we determine are violating these Terms of Use, restricting or inhibiting any other user from using or enjoying the Site, or whose conduct we reasonably determine may constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or international law.

Limitation of Liability

BY ACCESSING THIS SITE OR RECEIVING ANY SERVICES, YOU AGREE TO WAIVE ALL CLAIMS AGAINST US AND ALL THIRD PARTY CONTENT PROVIDERS REGARDING THIS SITE, THE INFORMATION PROVIDED ON THIS SITE AND ANY INFORMATION RECEIVED BY YOU AS A RESULT OF USING THE SERVICES, AND ANY USE BY YOU OF SUCH INFORMATION. YOU AGREE THAT UNDER NO CIRCUMSTANCES SHALL WE OR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THIS SITE OR ITS CONTENTS OR SERVICES BE LIABLE TO YOU IN TORT, CONTRACT OR ON ANY OTHER THEORY OF LIABILITY, FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OR DAMAGES FOR LOSS OF PROFITS, COST OF SUBSTITUTE SERVICES, GOOD WILL, BUSINESS INTERRUPTION, USE, DATA, EQUIPMENT OR OTHER INTANGIBLE LOSSES (EVEN IF WE HAVE BEEN NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES) THAT ARISE FROM YOUR OR ANY OTHER PARTY’S USE OF THIS WEBSITE OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, ACTION OR NON-ACTION TAKEN BY YOU OR ANYONE, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE SYSTEM FAILURE, LOSS OF DATA, OR LOSS OF USE RELATED TO THIS WEBSITE OR ANY WEBSITE OPERATED BY ANY THIRD PARTY OR ANY CONTENTS OF THIS WEBSITE OR ANY CONTENTS OF ANY THIRD PARTY WEBSITE, REGARDLESS OF WHETHER SUCH THIRD PARTY WEBSITES ARE LINKED TO THIS SITE. WE SHALL NOT BE LIABLE FOR DAMAGE OR INJURY TO PERSONS OR PROPERTY ARISING FROM ANY USE OF ANY PRODUCT, LINKED WEBSITE, INFORMATION, PROCEDURE, OR SERVICE OBTAINED THROUGH THIS SITE.

OUR ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY FOR ANY DISPUTE OR CLAIM RELATED TO THESE TERMS OF USE, THE SITE, ANY SERVICES, OR THE PRIVACY POLICY IS YOUR CESSATION OF THE USE OF THIS SITE AND ANY AND ALL SERVICES. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR THE TYPES OF DAMAGES REFERENCED IN THE IMMEDIATELY PRECEDING PARAGRAPH, IN SUCH JURISDICTIONS LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

WE CANNOT AND WILL NOT ASSUME ANY LIABILITY FOR UNAUTHORIZED OR FRAUDULENT USE OF THIS SITE AND ANY SERVICES.

Links to Other Websites

The Farmers National Bank of Emlenton may create links between this Site and other websites operated, owned and/or managed by third parties. When accessing any third-party/external websites that may be linked to this Site, you will leave The Farmers National Bank of Emlenton website. The Farmers National Bank of Emlenton does not control these third-party websites or their contents and is not responsible for the contents, operation or security of these sites. The Farmers National Bank of Emlenton makes no endorsement, representation, warranty, guarantee, or other assurance of any kind related to third-party websites, the operators or the contents of third-party websites that are linked to this Site.

Indemnification

YOU AGREE TO INDEMNIFY AND HOLD US AND OUR THIRD PARTY CONTENT PROVIDERS HARMLESS FROM ANY LOSS, INCLUDING REASONABLE ATTORNEYS’ FEES, RELATED TO ANY COST, DAMAGES, CLAIM OR EXPENSE RELATED TO ANY CONTENT YOU SUBMIT, POST TO OR TRANSMIT THROUGH THIS SITE, YOUR USE OF THE SITE OR THE SERVICES, YOUR CONNECTION TO THE SITE, YOUR VIOLATION OF THESE TERMS OF USE, OR ANY HARM YOU CAUSE ANOTHER USER.

Disclaimers

SOME OF THE CONTENT ON THIS SITE OR THE SERVICES MAY BE PROVIDED BY THIRD PARTY CONTENT PROVIDERS AND USERS. SEE “SOCIAL MEDIA” BELOW. WE ARE A DISTRIBUTOR AND NOT A PUBLISHER OF SUCH CONTENT AND HAVE NO CONTROL OVER IT. ANY OPINIONS, ADVICE, STATEMENTS, SERVICES, OFFERS OR OTHER INFORMATION GIVEN OR PROVIDED BY THIRD PARTIES (INCLUDING MERCHANTS AND LICENSORS) ARE THOSE OF THE RESPECTIVE AUTHORS OF SUCH CONTENT AND NOT OURS.

ALTHOUGH WE USE REASONABLE EFFORTS TO PROVIDE ACCURATE AND UP-TO-DATE INFORMATION THROUGH THIS SITE, WE AND THE CONTENT PROVIDERS MAKE NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY, RELIABILITY, OR COMPREHENSIVENESS OF CONTENT ON THIS SITE AND ANY SERVICE. THE INFORMATION CONTAINED ON THIS SITE AND ANY SERVICE IS PROVIDED ON AN “AS IS” “AS AVAILABLE” BASIS. USE OF THIS SITE AND ITS CONTENTS IS AT THE USER’S SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, WITH REGARD TO INFORMATION CONTAINED ON THIS SITE AND ANY SERVICE, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE AND THE

CONTENT PROVIDERS CANNOT AND DO NOT GUARANTEE OR WARRANT THAT THE FILES AVAILABLE FOR DOWNLOADING FROM THIS SITE AND ANY SERVICE WILL BE FREE FROM INFECTIONS OR VIRUSES, WORMS, TROJAN HORSES, OR OTHER CODE WITH CONTAMINATING OR DESTRUCTIVE PROPERTIES. YOU HEREBY AGREE TO RELEASE AND HOLD US HARMLESS FROM ANY AND ALL CLAIMS, LOSSES, EXPENSES OR DAMAGES RELATING TO ANY DISCLAIMED WARRANTY DESCRIBED IN THIS PARAGRAPH.

SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON HOW LONG IMPLIED WARRANTIES LAST OR THE EXCLUSION OF CERTAIN IMPLIED WARRANTIES, SO THAT THESE DISCLAIMERS AND LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH EVENT, SUCH DISCLAIMERS SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW.

Severability

To the extent any portion of these Terms of Use is determined to be unenforceable by a court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and these Terms of Use, as so modified, shall remain in full force and effect.

Entire Agreement

These Terms of Use constitute your entire agreement with us regarding this Site and any Services, and supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written between you and us with respect to the Site or the Services.

Available Only Where Permitted by Law

This Site and/or the Services may not comply with legal requirements of foreign countries, therefore the Site, its contents and the Services are intended only for access and use by United States residents and are presented solely as a service to visitors and/or subscribers located in the United States of America and its territories.

Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the State of Pennsylvania, without giving effect to any principles of conflicts of law.

Jurisdiction and Venue

You expressly and irrevocably agree that exclusive jurisdiction and venue for any claim or dispute with us, our employees, contractors, officers, directors and content providers or relating in any way to your use of this Site or the Services resides in the state or federal courts for the Western District of Pennsylvania or Venango County, Pennsylvania and you further irrevocably agree and expressly and irrevocably consent to the exercise of personal jurisdiction in those courts over any action brought under these Terms of Use. We and you hereby waive the right of trial by jury in any action arising out of or related to the Site, Services or these Terms of Use.

Waiver

No waiver by The Farmers National Bank of Emlenton of any right under or term or provision of these Terms of Use will be deemed a waiver of any other right, term, or provision of these Terms of Use at that time or a waiver of that or any other right, term, or provision of these Terms of Use at any other time.

Submissions

You agree to provide true, accurate, current and complete information about yourself when you elect to provide personal information to us. You also agree to maintain and promptly update any such information to keep it accurate. Other than information addressed under our Online Privacy Policy, any and all comments, suggestions, ideas, graphics, or other information that you transmit or post to the Site becomes and will remain our property and may be used by us anywhere, anytime and for any reason whatsoever. Except as may be provided in the Online Privacy Policy, any information or materials submitted to us will be treated as non-confidential and non-proprietary, and we will not have any obligation to use or evaluate any information we receive from you. We will not have to pay you or anyone else for using any ideas or other materials that you may transmit to or post on the Site.

Transmissions to and from this Website

Except where expressly indicated otherwise, transmissions to and from this Website or directed to The Farmers National Bank of Emlenton, including E-mails, are not sent in a secure form and can be intercepted by third parties and may not be immediately received by the appropriate business unit at The Farmers National Bank of Emlenton. Please do not use E-mail to send us communications which contain confidential information, which we require to be in writing, or which need our immediate attention. Please call or write The Farmers National Bank of Emlenton instead at your local branch office. Any transmission to this Website, including E-mails shall be deemed and remain the property of The Farmers National Bank of Emlenton. The Farmers National Bank of Emlenton shall be free to use, for any purpose, any ideas, concepts, know-how, or techniques provided by a Website user to The Farmers National Bank of Emlenton through this Website.

Protecting Your Information

We utilize reasonable security technologies to protect sensitive information. However, the security of this information depends in part on the security of the computer you use to communicate with us, the security you use to protect User IDs and passwords, and the security provided by your internet access services provider. We are not responsible for the security of your internet access services provider; you should review the security and privacy policies of your internet access services provider carefully. Information that you access via this Site may be stored on your computer during your session for your convenience. If others have access to your computer or your User ID and password, they may be able to access this information. In any area of the Site requiring a password, you should log off the Site when you are done viewing information or whenever you leave your computer. We are not responsible for the security or privacy of information communicated to or from such a computer. Finally, you should keep any correspondence you receive relating to this Site or the Services (including, but not limited to, your User ID, passwords, other registration information, emails, order information, or any other information) confidential and in a safe place.

Social Media

We use a number of unaffiliated social media sites, including Facebook, Instagram and LinkedIn to share product and service information, thought leadership material, news, events and career information.

Social Media pages are typically public and can show up in search engines like Google, Yahoo and Bing. Because our social media sites are public and anyone with an account can engage with us, we cannot be responsible for views expressed other than our own.

We reserve the right to prohibit posting on our social media pages, as well as the right to delete or edit any posted content or material for any reason and without notice. Any posting on these pages is subject to our policies of usage, as we may change them from time to time. We prohibit postings about securities products, investment recommendations, investment product performance and client testimonials. In addition, we prohibit the posting of offensive, derogatory, inflammatory or illegal comments and statements.

We reserve the right to block or remove objectionable content and users if possible, in our sole discretion and without notice. Any delay in removing or failure to remove an objectionable posting should not be deemed an endorsement or approval of the posting, and does not preclude us from taking other steps to address objectionable content, particularly where a social media website restricts us from removing content or blocking users. If a follower forwards our posts and adds comments, such comments are the view and responsibility of the follower, and we expressly disclaim any responsibility over such communication.

These social media websites are established and hosted by third parties, and are governed by their separate website policies, including privacy policies and terms of usage. We are not

responsible for their terms of use or privacy policies, or any other third party websites that may be linked to or by their pages. You use these sites at your own risk.

Interacting with The Farmers National Bank of Emlenton on Social Media Sites

Our social media sites are managed and monitored by The Farmers National Bank of Emlenton. We are actively watching what people are saying to and about The Farmers National Bank of Emlenton. However, because of the public nature of the platform, we cannot respond to or engage on all issues.

Never disclose any financial or personal information on any social media site or other website. The Farmers National Bank of Emlenton will never ask you for your Social Security number, account information, passwords, PINs or other personally identifiable information via social media or email. We are not responsible for the privacy or security practices of the social media sites we utilize. Please review their policies.

In addition, we do not endorse clicking on links posted by other social media users, as these links may pose risks to your computer or take you to inappropriate sites.

If you are a client of The Farmers National Bank of Emlenton with specific questions about an account or service, please contact your local branch directly. If you have any concerns or complaints about our social media websites, you may submit them by emailing us at info@farmersnb.com.

Links to Third-Party Sites and Mentions

We may occasionally mention a user or repost links to third-party sites when we think you may find that information useful. However, this does not constitute an endorsement of the individual, site, product or company. See also “Links to Other Websites” above.

Other Information

The Farmers National Bank of Emlenton is an equal housing lender and National Association Member, FDIC.

Website Services Contact

You may contact The Farmers National Bank of Emlenton by Email at info@farmersnb.com with questions or problems with this Website.

 

NMLS Numbers

Allison, Kelli
1128221
Anderson, Kristin
1752572
Annis, Lucinda
676487
Assalone, Rebecca
1695079
Baucom, LeaAnn
1767366
Beauchat, Brigitte
1913109
Begley, Brendan
1707577
Best, Rosa
1874922
Bradford, Diane
718661
Carr, Anna
1472837
Chierici, Fanci
1696159
Clark, Jeffrey
1868635
Clark, Nicholas
2031005
Cochran, Donna
953130
Cummings, Jessica
2003260
Delhunty, Carissa
1582041
Donahue, Barb
1506741
Embry, Zachary
1707574
Ferraraccio, John
677713
Foust, Renee
436818
Foust, Robert
718644
Funk, Eric
677714
Fye, Josh
871245
Gabler, Brittany
2094265
Gantz, Eric
1807025
Gouldthread, Shawn
865270
Greeley, Julie
1774819
Grejda, Richard
718643
Gunter, Riley
1969587
Guzzo, Aubery
718639
Hilfiger, Kyle
1227670
Holmes, Lena
1874923
Hynes, Michelle
1542806
Jones, Demi
1762271
Karsten, Kassandra
1844614
Labrie, Randall
508970
Mabold, Sara
1958195
MacBeth, Sarah
1473219
McCullough, Charles
1711721
McGarvey, Joshua
970890
McGowan, Leeza
2031001
McKeag, Kristen
870898
Metelski, Barb
718660
Minto, Marnita
718655
Morrow, Stephanie
1851661
Murray, Darian
1186418
Nedzinski, Andrew
1311016
Noble, Matthew
2040268
Oligher, Mindy
1226589
Poulsen, Jennifer
1450606
Pruzinsky, Sherry
1799939
Rankin, Bobbi
1771442
Rogus, Eric
1908334
Ruot, Amy
718673
Schrecengost, Nicole
1704616
Schreck, Wendie
1893580
Sierzega, Robin
1495686
Simpson, Renee
2110618
Snyder, Nichel
1865265
Tjernlund, Andrew
1915370
Vernick, Robert
977437
White, Melinda
718662
Wolfkiel, Stephanie
1176998
Wundrack, Amy
1458925