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NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
FIRST NATIONAL BANK IN CARLYLE, ILLINOIS
This is our privacy notice for our customers who
have the right to know the privacy policies and practices of
this financial institution as they relate to the collection
and disclosure of information with both affiliated and
nonaffiliated parties. In order to provide the proper
disclosure information. The following definitions are
offered as they relate to financial privacy rights.
Definitions
We, our and us
mean the First National Bank in Carlyle.
You and Your
means all consumer customers with whom we have a continuing
relationship with through one or more accounts, customers
who may use a service of this institution that we provide
without an account relationship or someone who may have
applied for any of this financial institution's services and
were declined.
Publicly Available Information:
Any information that is lawfully available to general public
from official public records, public directories, public
media (TV, radio, newspapers) or any information that is
required to be disclosed by law (Federal, State, or Local).
Nonpublic Personal Information:Any
information about you that we collect in connection with
providing a financial product or service other than that
described above.
Affiliate:
Any company that is partially or wholly controlled by us or
a company that partially or wholly controls us.
Nonaffiliated Third Party:
Any person(s) or corporate entity that is not an affiliate
of this financial institution.
Consumer Reporting Agency:
An agency or person who collects and evaluates consumer
credit information and reports it to third parties.
We collect nonpublic personal information about you from the
following sources:
Information we receive from customers on applications and
other forms.
Information about you that we receive from a consumer
reporting agency.
Information we receive about you from transactions with you,
our affiliates, and others.
We do not disclose any nonpublic personal information about
you to anyone, except as permitted by law.
We may disclose all of the information we collect as
described above to companies that perform marketing services
on our behalf or to other financial institutions (insurance
companies) with whom we have joint marketing agreements.
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.
Non Personal Information and Former Customers
We do not disclose nonpublic personal information about
former customers as described above in this notification.
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