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THE FIRST NATIONAL BANK OF
CHILLICOTHE
Privacy Policy
The First National Bank of Chillicothe and
its Board of Directors realize the trust that customers have in the Bank. In
part, that trust stems from the safekeeping of information that the Bank has
about its customers. The First National Bank of Chillicothe will continue to
maintain that trust by safeguarding customer information it has in its
possession any way possible. To that end, the Board of Directors has adopted
this Privacy Policy Statement with regard to our customer’s nonpublic
information.
Privacy Statement
Protecting customer privacy is important to The First National Bank of
Chillicothe and our employees. We want our customers to understand what
information we collect and how we use it. In order to provide our customers
with a broad range of financial products and services as effectively and
conveniently as possible, we use technology to manage and maintain customer
information. The following policy serves as a standard for all First
National Bank employees for collection, use, retention, and security of
nonpublic personal information.
What Information We Collect
We may collect “nonpublic personal information” about our customers from the
following sources:
 | Information we receive from the customer on
applications or other loan and account forms;
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| Information about customer transactions with us or
others; and
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| Information we receive from third parties such as
credit bureaus. |
“Nonpublic personal information” is nonpublic information
about customers that we obtain in connection with providing a financial
product or service to the customer. For example, nonpublic personal
information includes information regarding account balances, payment
history, and overdraft history.
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What Information We Disclose
We are permitted under law to disclose nonpublic personal information about
our customers to other third parties in certain circumstances. For example,
we may disclose nonpublic personal information to third parties to assist us
in servicing a loan or account with us, to government entities in response
to subpoenas, and to credit bureaus.
We do not disclose any nonpublic personal information about anyone, except
as permitted by law.
When a customer decides to close an account(s) or become an inactive
customer, we will continue to adhere to the privacy policies and practices
described in this notice.
Our Security Procedures
We take steps to safeguard customer information. We restrict access to
personal and account information to those employees who need to know this
information in order to provide products or services to our customers.
Employees who violate these standards will be subject to disciplinary
measures. We maintain physical, electronic, and procedural safeguards that
comply with federal standards to guard nonpublic personal information.
| Use collection and Retention of Customer
Information
The First National Bank of Chillicothe may collect, retain, and use
personal information about customers (for example, we may obtain a
credit report for a loan or for employment purposes), but only as we
believe it would be reasonably useful in administering our business and
to provide products, services and other opportunities to customers.
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| Maintenance of Accurate Information
The First National Bank of Chillicothe exercises reasonable procedures
in order to ensure that a customer’s financial information is accurate,
current and complete in accordance with reasonable commercial standards.
Inaccurate information, when brought to our attention, is corrected as
promptly as possible.
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| Employee Access to Information and Enforcement
All employees of The First National Bank of Chillicothe are educated on
the importance of confidentiality and customer privacy. They are
thoroughly trained to learn and follow our Privacy Policy. The First
National Bank of Chillicothe will take appropriate disciplinary measures
to enforce employee privacy responsibilities.
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| Protection of Information
The First National Bank of Chillicothe will maintain appropriate
security standards and procedures to prevent unauthorized access to
customer information.
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| Restrictions on the Disclosure of Account
Information
The First National Bank of Chillicothe will not reveal specific
information about current or past customer accounts or other personally
identifiable data to third parties for their independent use unless:
 | The information is provided with customer
authorization to help complete a customer initiated transaction;
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| The customer requests it, either personally or in
writing;
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| The disclosure is required by or allowed by law
(i.e. subpoena, investigation of fraudulent activity, etc.).
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| Disclosing our Privacy Commitment to Our Customers
We want our customers to understand our commitment to privacy issues and
our use of confidential customer information. Privacy disclosures are
mailed annually to all customers as a part of the monthly statement
cycles that include the quarter ending March 31st. Customers who have no
deposit relationships will be mailed a disclosure during this time as
well. Customers may also obtain a copy of this policy by calling (940)
852-5161 or by writing to The First National Bank of Chillicothe, P.O.
Box 430, Chillicothe, TX, 79225 |
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MEMBER
FDIC 