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Privacy Policy

FACTS

WHAT DOES THE FIRST NATIONAL BANK OF ANDERSON DO WITH YOUR PERSONAL INFORMATION?

Rev. December 2010

 

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                                       Credit history

  Account balances                                               Overdraft history

  Payment history                                                  Wire transfer instructions

 

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 The First National Bank of Anderson chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does The First National Bank of Anderson 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 nonaffiliates to market to you

No

We don’t share

What We Do

 

How does The First National Bank of Anderson protect my personal 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 also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does The First National Bank of Anderson collect my personal information?

 

We collect your personal information, for example, when you

  Open an account                          Give us your income information

  Apply for a loan                           Show your driver’s license

  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 nonaffiliates 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

 

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

 The First National Bank of Anderson has 1 affiliate, First Anderson
    Bancshares, Inc., our holding company.

Nonaffiliates

 

Companies not related by common ownership or control. They can be financial and non-financial companies.

 The First National Bank of Anderson does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  The First National Bank of Anderson doesn’t jointly market..

Other Important Information

For Alaska, Illinois, Maryland and  North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For Vermont Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.

 Privacy Model Disclosure
VMP® Bankers Systems™
Wolters Kluwer Financial Services © 2010

Consumer Complaint Notice
The First National Bank of Anderson is regulated by The Office of the Comptroller of the Currency. Any consumer wishing to file a complaint against The First National Bank of Anderson should contact the following agency:

Office of the Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street
Suite 3450
Houston, Texas 77010
Ph: 1-800-613-6743
www.occ.treas.gov
Customer.assistance@occ.treas.gov

 

 

 

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