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First National Bank and Trust
 

Privacy & Security

What Does First National Bank and Trust Do With Your Personal Information? 

Rev. Date 2/17


Why? 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.
What? 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 Credit history
  • Account balances and Credit scores
  • Payment history and Account transactions
How? 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 and Trust chooses to share, and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does  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
No We don't share
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 our affiliates to market to you No We don't share
Questions?
Call 877-575-2440 or go to www.fnbandt.com
 Who We Are
Who is Providing this Notice? First National Bank and Trust
What We Do
How does First National Bank and Trust protect my 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. 
How does First National Bank and Trust collect my information? We collect your personal information, for example, when you
  • Open an account or give us your contact information
  • Pay your bills or Apply for a loan
  • Make deposits or withdrawals from your account
We also collect your personal information from others such as credit bureaus, affiliates, or other companies.
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.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on the account
Definitions
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.
- First National Bank and Trust does not share with our affiliates.
Non‑Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies. 
- First National Bank and Trust does not share with our 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. 
- First National Bank and Trust doesn't jointly market.
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