Rev Sept 2010

FACTS

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

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 y ou 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 income
  • account balances and transaction history
  • credit history and credit scores

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 of Raymond chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does First National Bank of Raymond 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



Questions
Call 1-800-500-3621 or go to www.fnbraymond.com


Who we are

Who is providing this notice?

First National Bank of Raymond

What we do

How does First National Bank of Raymond 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.

How does First National Bank of Raymond collect my personal information?

We collect your personal information, for example, when you

  • open an account or apply for a loan
  • pay your bills or use your credit or debit card
  • 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.

Definitions

Affiliates

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

  • First National Bank of Raymond does not share with our affiliates.

Nonaffiliates

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

  • First National Bank of Raymond 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.

  • First National Bank of Raymond doesn’t jointly market.