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Privacy & Security

What Does First National Bank Do With Your Personal Information?

Rev. Date 5/24

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 Account balances Payment history Checking account information Overdraft history When you are no longer our customer, we continue to share your information as described in this notice.
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 chooses to share, and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does First National Bank 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 Do Not Share
For our affiliates’ everyday business purposes – information about your transactions and experiences	No	We Do Not Share
For our affiliates’ everyday business purposes – information about your creditworthiness	No	We Do Not Share
For our affiliates to market to you	No	We Do Not Share

What We Do
How does First National Bank 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. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you.
How does First National Bank collect my information?	We collect your personal information, for example, when you Open an account or deposit or withdraw from your account Apply for a loan or provide account information Give us your income information 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. (See below for more on your rights under state law.)

Definitions: Companies related by common ownership or control. They can be financial and non-financial companies.
Affiliates	First National Bank does not share with affiliates. Companies not related by common ownership or control. They can be financial and non-financial companies.
Non‑Affiliates	First National Bank does not share with non-affiliates. A formal agreement between non-affiliated financial companies that together market financial products or services to you.
Joint Marketing	Our joint marketing partners include U.S. Bank National Association, d/b/a Elan Financial Services.

Other Important Information
We will not disclose personal information about California or Vermont residents to third parties unless otherwise permitted by law. For Vermont residents, any personal information disclosed pursuant to a joint marketing agreement with a non-affiliated third party will be limited to information that identifies you (such as name, address, telephone number or e-mail address) and information concerning our experiences with you and your accounts.

Other Important Information

We will not disclose personal information about California or Vermont residents to third parties unless otherwise permitted by law. For Vermont residents, any personal information disclosed pursuant to a joint marketing agreement with a non-affiliated third party will be limited to information that identifies you (such as name, address, telephone number or e-mail address) and information concerning our experiences with you and your accounts.