, , and means The FNB 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 account
- Loan account
- Credit card
- Safe deposit box
- Retail installment contract we hold and service
- Self-directed Individual Retirement Account where we act as custodian or trustee
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:
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.
An 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 is a company that is not an affiliate of ours.
means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.
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 our affiliates
- Information about your transactions with nonaffiliated third parties
- Information from a consumer reporting agency
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.
We may disclose nonpublic personal information about you. 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
- Name
- Address
- Account balances
- Account activity
- Types of accounts
- Payment history
Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.
Other information not taken from transactions and experience:
- Nonpublic personal information we receive from you on an application or other forms, such as
- Social security number
- Assets
- Income
- Nonpublic personal information we receive from a credit reporting agency, such as
You may opt out of the disclosure of the information listed above.
We may disclose nonpublic personal information about you to the following types of affiliates:
- Financial service providers, such as
We also reserve the right to disclose the following additional nonpublic personal information about you to our affiliates in the future:
Transaction and experience information from our account records:
- Information about your transactions and experience with us, such as
- Credit card usage
- Deposit history
Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of disclosure of this information.
We may disclose this nonpublic personal information with the affiliates listed under the heading Types of Affiliates.
We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:
- Nonpublic personal information we receive from you on an application or other forms, such as
Federal law allows us to disclose the information listed above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.
Here are the type of businesses with whom we may disclose nonpublic personal information under this section:
- Financial service providers, such as
- Non-financial companies, such as
- Direct Marketing Companies
We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law.
We do not disclose nonpublic personal information about former customers, except as permitted by law.
We are permitted to disclose nonpublic personal information about our transactions or experiences with you to affiliates. We may also disclose other nonpublic personal information to our affiliates (that is, nonpublic personal information beyond our transactions and experiences with you), unless you tell us to not disclose this other nonpublic personal information.
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 obtaining opt out forms at any location of FNB.
