PRIVACY OF CONSUMER FINANCIAL INFORMATION

 

       

                Rev.  05/2012
FACTS   WHAT DOES FAYETTE COUNTY NATIONAL BANK 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 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 income        
         ●   account balances and payment 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  Fayette County National Bank  chooses to 
    share; and whether you can limit this sharing.        
                   
Reasons we can share your personal information          Does Fayette County    Can you limit this sharing?
                National Bank share?    
For our every day business purposes-            
such as to process your transactions, maintain     YES     NO
your account(s), respond to court orders and legal            
investigations, or report to credit bureaus            
                     
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-     No     We don't share
information about your transactions and experiences            
                     
For our affiliates' everyday business purposes     No     We don't share
information about your creditworthiness            
                     
For nonaffiliates to market to you     No     We don't share
                     
                   
Questions? Call (304) 574-1212 or go to our website www.fcnbonline.com    
                   
                     
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Who we are                  
Who is providing this notice?   FAYETTE COUNTY NATIONAL BANK
                   
What we do                  
How does Fayette  County National To protect your personal information from unauthorized access
Bank protect my personal    and use, we use security measures that comply with federal
information?         law.  These measures include computer safeguards and secured
          files and buildings.      
                     
                     
How does Fayette County National We collect your personal information, for example, when you
Bank collect my personal information            
          ●    open an account or apply for a loan  
          ●    make deposits or withdrawals from your account
          ●    use your credit or debit card or make a wire transfer
                     
                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
                     
                   
Definitions                    
Affiliates         Companies related by common ownership or control.  They can be
          financial and nonfinancial companies  
                     
          Fayette County National Bank has no affiliates
                     
Nonaffiliates         Companies not related by common ownership or control.  They
          can be financial and nonfinancial companies
                     
          Fayette County National Bank 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
                     
          Fayette County National Bank doesn't jointly market