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Privacy Notice |
Rev4/2015 |
| FACTS |
| 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. |
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 and Account Balance
- Payment history and Overdraft History
- Credit History and Checking Account Information
When you are no longer our customer, we continue to share
your information as described in this notice. |
| 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 The First National Bank of Fletcher chooses to share; and whether you can limit this sharing. |
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Reasons we can share your personal information |
Does The First National Bank of Fletcher Share? |
Can
you limit this sharing? |
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 |
Yes |
No |
For our marketing purposes—
to offer our products and services to you |
Yes |
No |
| For joint marketing with other financial
companies |
No |
We Don't Share |
For our affiliates’ everyday business
purposes—
information about your transactions and experiences |
No |
We Don't Share |
| For our affiliates’ everyday business
purposes— information about your creditworthiness |
No |
We Don't Share |
| For nonaffiliates to market to you |
No |
We Don't Share |
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| What we do |
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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.
While all employees are trained in customer confidentiality, employees only have access to information required for their job functions. |
We collect your personal information, for example, when
you
- Open and account or Show your drivers licence
- Apply for a loan or give us contact information
- Give us your employment information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |
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. |
|
Definitions |
| Affiliates |
Companies related by
common ownership or control. They can be financial and non
financial companies.
- The First National Bank of Fletcher does not share with our Affiliates.
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| Non Affiliates |
Companies not related by
common ownership or control. They can be financial and non
financial companies.
- The First National Bank of Fletcher does not share with non
Affiliates so they can market to you.
|
| Joint Marketing |
A formal agreement
between non affiliated financial companies that together
market financial products or services to you.
- The First National Bank of Fletcher doesn't jointly market.
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