Privacy Policy FNB Fredonia

Financial Privacy Act

12USC3401

This Act deals with the confidentiality of bank records and under what circumstances these records can be released to federal government authorities. The Act also cites the need for appropriate customer authorization, provides for customer challenges to suspicious requests and outlines some exceptions to the requirements.

First National Bank Compliance Policy

Information requests for customer records will be forwarded to the loan officers. These officers shall be charged with the responsibility of complying with this Act.

An annual disclosure will be provided to customers as follows:

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean First National Bank in Fredonia.

This is our privacy notice for our customers. When we use the words “you and your” we mean the following types of customers.

All of our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a:

Deposit account
Loan Account
Credit Card Account
Safe Deposit Box
Self-directed Individual Retirement Account

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, or 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.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply an “other party”.

THE INFORMATION THAT WE COLLECT

We collect nonpublic personal information about you from the following sources:

Information you give us on applications or other forms
Information about your transactions with us
Information about your transactions with other parties
Information from a consumer reporting agency

INFORMATION WE DISCLOSE ABOUT YOU

We do NOT disclose any information about you to anyone, except as permitted by law. This might include disclosures necessary to service your account, or prevent unauthorized transactions.

This might include disclosures necessary to service your account, or prevent unauthorized transactions.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to 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 to protect this information.

INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

FACTS	WHAT DOES FIRST NATIONAL BANK IN FREDONIA DO WITH YOUR PERSONAL INFORMATION?
FACTS Why?	WHAT DOES FIRST NATIONAL BANK IN FREDONIA DO WITH YOUR PERSONAL INFORMATION? 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.
FACTS What?	WHAT DOES FIRST NATIONAL BANK IN FREDONIA DO WITH YOUR PERSONAL INFORMATION? 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 Account balances Payment history Credit history Credit card or other debt Checking account information When you are no longer our customer, we continue to share your information as described in this notice.
FACTS How?	WHAT DOES FIRST NATIONAL BANK IN FREDONIA DO WITH YOUR PERSONAL INFORMATION? 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 First National Bank in Fredonia chooses to share; and whether you can limit this sharing.

FACTS

WHAT DOES FIRST NATIONAL BANK IN FREDONIA DO WITH YOUR PERSONAL INFORMATION?

FACTS

Why?

WHAT DOES FIRST NATIONAL BANK IN FREDONIA DO WITH YOUR PERSONAL INFORMATION?

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.

FACTS

What?

WHAT DOES FIRST NATIONAL BANK IN FREDONIA DO WITH YOUR PERSONAL INFORMATION?

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
Account balances
Payment history
Credit history
Credit card or other debt
Checking account information

When you are no longer our customer, we continue to share your information as described in this notice.

FACTS

How?

WHAT DOES FIRST NATIONAL BANK IN FREDONIA DO WITH YOUR PERSONAL INFORMATION?

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 First National Bank in Fredonia chooses to share; and whether you can limit this sharing.

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION	DO WE SHARE?	CAN YOU LIMIT?
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION 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	DO WE SHARE? Yes	CAN YOU LIMIT? No
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION For our marketing purposes: to offer our products and services to you	DO WE SHARE? No	CAN YOU LIMIT? We Don't Share
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION For joint marketing with other financial companies:	DO WE SHARE? No	CAN YOU LIMIT? We Don't Share
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION For our affiliates’ everyday business purposes: information about your transactions and experiences	DO WE SHARE? No	CAN YOU LIMIT? We Don't Share
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION For our affiliates’ everyday business purposes: information about your creditworthiness	DO WE SHARE? No	CAN YOU LIMIT? We Don't Share
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION For non-affiliate to market to you:	DO WE SHARE? No	CAN YOU LIMIT? We Don't Share

QUESTIONS?

Call 620-378-2151

WHAT WE DO
WHAT WE DO How does First National Bank in Fredonia 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. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
WHAT WE DO How does First National Bank in Fredonia collect my personal information?	We collect your personal information, for example, when you: Open an account Apply for a loan Make Deposits or withdrawals from your account Give us your contact information Show your driver's license We also collect your personal information from others, such as credit card bureaus, affiliates, or other companies.
WHAT WE DO 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 non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

WHAT WE DO

How does First National Bank in Fredonia 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.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

WHAT WE DO

How does First National Bank in Fredonia collect my personal information?

We collect your personal information, for example, when you:

Open an account
Apply for a loan
Make Deposits or withdrawals from your account
Give us your contact information
Show your driver's license

We also collect your personal information from others, such as credit card bureaus, affiliates, or other companies.

WHAT WE DO

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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

DEFINTIONS
DEFINTIONS Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. First National Bank in Fredonia has no Affiliates
DEFINTIONS Non-Affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. First National Bank in Fredonia does not share with non-Affiliates so they can market to you.
DEFINTIONS Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. First National Bank in Fredonia does not jointly market.

DEFINTIONS

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

First National Bank in Fredonia has no Affiliates

DEFINTIONS

Non-Affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

First National Bank in Fredonia does not share with non-Affiliates so they can market to you.

DEFINTIONS

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

First National Bank in Fredonia does not jointly market.

Other Important Information
Other Important Information For Alaska, Illinois, Maryland, and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. For Massachusetts, Mississippi, and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization. For Vermont Members/Customers. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. For additional information concerning our privacy policies, call 620-378-2151.

Other Important Information

For Alaska, Illinois, Maryland, and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi, and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For Vermont Members/Customers.

We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.
For additional information concerning our privacy policies, call 620-378-2151.

NOTICE: FNB will never request customers to update their account information via e-mail. If you receive a request of this nature, please contact the bank immediately. Also note, any e-mail message sent via this web site is sent via normal e-mail and is not encrypted. Please do not include any sensitive information such as account numbers, usernames or passwords in the e-mail.