Privacy Policy
IMPORTANT INFORMATION ABOUT YOUR PRIVACY
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us, when used in this notice, mean First National Bank.
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 with us, such as:
- Deposit or loan account
- Credit card
- Safe deposit box
- All IRA accounts for which we act as custodian
We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.
We will also tell you what information we share with other entities. We will explain what your rights are, and how you can exercise them. If you share your account relationship with someone else, for example where you are a co-borrower or joint holder of a checking account, we suggest that you share this information with each other to ensure that each of you are aware of our policy and your options.
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 of government records.
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 company that is not an affiliate of ours.
Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.
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
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL 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.
NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
We do not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law.
NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
We do not disclose nonpublic personal information about former customers, except as permitted by law.
NONPUBLIC PERSONAL INFORMATION AND AFFILIATES – FUTURE CHANGES
In the future, we may disclose nonpublic personal information about you to affiliates, even though we are not doing so now. Here are the kinds of nonpublic personal information we may disclose to our affiliates:
Transaction and experience information from our account records:
- Information about your transactions and experience with us, such as
Federal law allows us to disclose the information listed above with our affiliates. However, we will allow you to opt out of the disclosure of this information to our affiliates.
Types of Affiliates
We may disclose nonpublic personal information about you in the future to the following types of affiliates:
- Financial service providers, such as
Reasons For Disclosure
Here is why we may disclose nonpublic personal information about you in the future to our affiliates:
- To provide our customers with information about additional products and services
- To evaluate our total relationship with you and our family of companies and give you the best price that relationship deserves
- To give you the benefit of the entire customer relationship when paying overdrafts and determining credit limits.
YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR NONPUBLIC PERSONAL INFORMATION
Affiliates. We may disclose your nonpublic personal information with our affiliates in the future. If you do not want us to disclose your nonpublic personal information with our affiliates, you can block the disclosure of this information. This is known as your right to “opt out.”
Your decision to block the disclosure of your nonpublic personal information will apply to all products and services you receive from us.
If you have a joint account, an opt out instruction given by one participant of this account will affect all participants of the account.
If you wish to opt out of disclosures, you may do so by checking the appropriate box(es) on the Opt Out Notice that you received with this notice and returning it to us at this address:
First National Bank
P O Box 269
Giddings, TX 78942
YOU HAVE THE RIGHT TO CHOOSE
In this notice, we have explained our policy about the disclosure of certain information.
Affiliates. We have explained the kinds of nonpublic personal information we may disclose to our affiliates in the future. We have also explained the kinds of affiliates with whom we may disclose the nonpublic personal information. If you prefer that we do not disclose nonpublic personal information to our affiliates you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law).
Your decision to block the disclosure of your nonpublic personal information will apply to all products and services you receive from us. If you have a joint account, and opt out instruction given by one participant of this account will affect all participants of the account.
If you wish to opt out of disclosures, you may do so by checking the appropriate box(es) and returning this form to us at this address:
First National Bank
P O Box 269
Giddings, TX 78942
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