Your Privacy Is
Important To Us
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us,
when used in this notice, mean First Harrison Bank.
This is our privacy notice for our customers. When we use the words
"you" and "your" we mean the following types of customers:
· Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
· Deposit account
· Loan account
· Credit card account
· Safe deposit box
· Retail installment contract we hold and service
· Financial, investment, or economic advisory services
We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.
We first define some terms.
Nonpublic personal information means
information about you that we collect in connection with providing a financial
product or service to you. Nonpublic personal information does not include
information that is available from public sources, such as telephone
directories or government records. Hereafter, we will use the term
“information” to mean nonpublic personal information as defined in this
section.
An affiliate is a company we own or
control, a company that owns or controls us, or a company that is owned or
controlled by the same company that owns or controls us. Ownership does not
mean complete ownership, but means owning enough to have control.
A nonaffiliated third party is a
person we do not employ or a company that is not an affiliate of ours. This is
also known as nonaffiliated third part, or simply, an “other party.”
THE
INFORMATION THAT WE COLLECT
We collect information about you from the following sources:
· Information you give us on applications or other forms
· Information about your transactions with us
· Information about your transactions with our affiliates
· Information about your transactions with other parties
· Information from a consumer reporting agency
· Information we receive as a result of verifying customer information
THE
CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
We restrict access to information about you to those
employees who need to know that information to provide products or services to
you. We maintain physical, electronic, and procedural safeguards to protect
this information. WE DO NOT SELL YOUR INFORMATION TO ANYONE.
YOUR
INFORMATION AND OUR AFFILIATES
We may disclose information about you to our affiliates.
Here are the kinds of information and source of that information.
Transaction and experience information from our account records:
· Information about your transactions and experience with us, such as:
o Name
o Address
o Account balances
o Account activity
o Types of accounts
o Payment history
o Deposit history
o Mortgage appraisals
Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.
Types of Affiliates
We may disclose information about you to the following types of affiliates:
Financial service providers such as:
o Securities brokers-dealers
Reasons for disclosure We may disclose
information about you to our affiliates to provide you with information about
additional products and services.
YOUR
INFORMATION AND OTHER PARTIES
We WILL NOT disclose information about you to ANYONE except as disclosed in this policy or as permitted by law. Examples of this might include disclosure necessary to service your account or prevent unauthorized transactions.
INFORMATION
ABOUT FORMER CUSTOMERS
We do not disclose information about former customers,
except as permitted by law.
AUTHORIZED
SHARING - OUTSIDE MARKETING SERVICES
We may disclose the following information to companies that perform marketing services on our behalf:
· Information you give us on an application or other forms, such as:
o Name
o Address
· Information about your transactions with us, such as:
o Types of accounts
We disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose information about you to other marketing services as permitted by law.
Types of Businesses
Here are the types of businesses with whom we may disclose information for
outside marketing purposes:
· Service providers that perform marketing services for us such as:
Reasons For Disclosing We may disclose information about you to companies that perform marketing services on our behalf to provide you with information about additional products and services.
In accordance with the Fair and Accurate Credit Transactions Act of 2003, if you are indebted to the bank we must disclose to you that WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.