Your Privacy is Important to Us
You have chosen to do business with First National Bank and we are obligated to honor your relationship with us and your privacy should not be compromised.
First National Bank realizes the importance of our customer’s financial privacy. We place the highest priority on protecting and honoring this privacy.
We will tell you the sources of the nonpublic information that we collect and what measures that we take to keep that information secure.
WE, OUR, and US in this notice mean First National Bank. YOU and YOUR mean the following type of customers:
Consumer customers who have a continuing relationship with us are customers who have a (an)
- Deposit Account
- Loan Account
- Safe Deposit Account
- Credit Card
- Individual Retirement Account
- Retail Contract that we have purchased from a dealer
We will first define some terms:
Nonpublic personal information means information about you that we collect in connection with providing a financial service or product to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories and government sources. When we use the term “information” we mean nonpublic personal information.
Affiliate is defined as a company we own or control, a company that owns or controls us, and a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
Nonaffiliated third party is a company that is not an affiliate of ours.
The Information That We Collect
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms.
- Information about your transactions with us.
- Information about your transactions with nonaffiliated third parties.
- Information from a consumer reporting agency.
- Information we receive as a result of verifying customer information.
Confidentiality, Security and Integrity of Your Information
Access to your nonpublic personal information is restricted to employees who need to know that information to provide products or services to you. We maintain electronic, physical and procedural safeguards to protect your information.
Other Parties and Your Information
We do not disclose your information to anyone except as disclosed in this policy or as permitted by law. This privacy policy also applies to information about former customers.
Joint Marketing – Authorized Sharing of Information
We may disclose the following information to other financial institutions with whom we have joint marketing agreements:
- Information you give us on applications (name, address, etc.)
- Transaction information (account activity, etc.)
You do not have a right to opt out of this information disclosure.
Types of Businesses
We may disclose information to the following types of businesses, pursuant to joint marketing efforts:
- Financial Service Providers, such as insurance companies.
Reasons for Information Disclosure
We may disclose information about you to other financial institutions (with whom we have joint marketing agreements) to provide you with information about additional products and services.
We have limitations on the use of information disclosed to other financial institutions with whom we have joint marketing agreements:
- We only allow direct mail solicitations
- We do not allow telephone solicitations
As required by the Fair and Accurate Credit Transaction Act of 2003, First National Bank wants to inform you that we may report information about your account to credit bureaus and/or consumer reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected in your credit report and/or consumer report.
