First National Bank, in accordance with the Gramm-Leach-Bliley Act of 1999, is providing you with this notice of its policies and practices insofar as they concern the privacy of your nonpublic personal information and how it may or may not be used by the bank. Nonpublic personal information is defined as nonpublic information about you that we may obtain in connection with providing a financial product or service to you. This could include information such as account balances, payment history, and overdraft history.
Types of information that we collect about you –
We collect nonpublic personal information about you from the following sources:
- Information that we receive from you on applications or other forms;
- Information about your transactions with us, our affiliates or others; and
- Information that we receive from a consumer-reporting
agency.
How information may or may not be disclosed -
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. Examples of exceptions permitted by law would be:
- Disclosure to a consumer reporting agency.
- Disclosure to this financial institution’s agent or service provider.
- Disclosure to a private label credit card program if such an offer were made and you chose to participate in such an offer.
Confidentiality and security of your nonpublic personal information –
We restrict access to nonpublic personal information about you to those employees that must have the information to provide you with services that you have directed us to perform for you or on your behalf. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
US Patriot Act -
On September 11th, 2001 our lives changed forever when our country was attacked. In an effort to protect you and our country, President Bush signed the USA Patriot Act into law on October 26, 2001.
One section of the USA Patriot Act says we must:
- Verify the identity of any person seeking to open an account (which includes Trust, Investments, Safe Deposit, Loans and Deposit Accounts).
- Maintain records of the information used to verify the person's identity including name, address and other identifying means.
First National Bank will follow this law by obtaining picture identification and verifying other information given by the customer. In some cases, identification will be requested for those banking with First National Bank prior to October 26, 2002 because original documentation was not obtained with the opening of the account. In all cases, protection of our customer's identity and confidentiality is FNB's pledge to you.
We proudly support all efforts to protect and maintain the security of our customers and our country.
