| Rev. 01/2011 | ||||||||||
| 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 | |||||||||
| Page 2 | ||||||||||
| 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 | ||||||||||