1st NC Bank

1st Bank Personal Privacy Notice

We respect the privacy of our customers and have policies in effect to protect the information you share with us. 

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS 

We, our, and us, when used in this notice, mean 1st National Community 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:

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 will tell you what information we share about you with other entities. We will explain what your rights are, and how you can exercise them. If you share an account relationship with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you is aware of our policy and your options.

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 partyis a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an ”other party.”

Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

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.

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 disclosures necessary to service your account or prevent unauthorized transactions.

INFORMATION ABOUT FORMER CUSTOMERS

We have the same policy about disclosing information about former customers as we do about current customers.

AUTHORIZED SHARING - JOINT MARKETING

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

Information you give us on an application or other forms such as:

We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. However, we will allow you to opt out of the disclosure of this information.

Types of Businesses

We may disclose information pursuant to joint marketing agreements to the following types of businesses:

Reasons for Disclosing
We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services.

YOU HAVE THE RIGHT TO CHOOSE

In this notice, we have explained our policy about the disclosure of certain information.

Joint Marketing. We have explained the kinds of information we may disclose to other financial institutions with whom we have joint marketing agreements. We will allow you to opt out of the disclosure of this information. If you prefer that we do not disclose information to those financial institutions with whom we have a joint marketing agreement (or to any outside marketing firm used in connection with such an agreement), you may opt out of those disclosures, that is, you may direct us not to make those disclosures. Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us.

If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of that partys information we have collected and for all information collected in conjunction with the product or service for all other joint parties. If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service.

If you previously sent us an opt out, then we will continue to apply your instruction to the information you asked us not to share. You do not need to return another opt out form.

If you wish to opt out of the disclosure of your information, you may do so by sending the following information to the address listed below:

Name(s)
Social Security Number(s)
Street Address                               
City, State, ZIP

1st National Community Bank
Privacy Officer
P.O. Box 796
East Liverpool, Ohio 43920

YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR INFORMATION

Joint Marketing. We have explained the kinds of information we may disclose to other financial institutions with whom we have joint marketing agreements. We will allow you to opt out of the disclosure of this information. If you prefer that we do not disclose information to those financial institutions with whom we have a joint marketing agreement (or to any outside marketing firm used in connection with such an agreement), you may opt out of those disclosures, that is, you may direct us not to make those disclosures.  Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us.

If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of that partys information we have collected and for all information collected in conjunction with the product or service for all other joint parties. If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service.

If you previously sent us an opt out, then we will continue to apply your instruction to the information you asked us not to share. You do not need to return another opt out form.

If you wish to opt out of the disclosure of your information, you may do so by sending the appropriate information in the Opt Out Notice to this address:

1st National Community Bank
Privacy Officer
P.O. Box 796
East Liverpool, Ohio 43920

The confidential treatment of your personal information is of utmost importance to 1st National Community Bank. We pledge to continue to work to earn your business and trust. We invite you to call on us at any time.

1st National Community Bank
16924 St. Clair Avenue
P.O. Box 796
East Liverpool, Ohio 43920
Phone 330-385-9200

Member FDIC/Equal Housing Lender

1st National Community Bank | 16924 St. Clair Avenue | East Liverpool, OH 43920 | Phone: 330/385-9200 | Fax: 330/386-7452

Copyright 2006 1st National Community Bank. All rights reserved. Equal Housing Lender - Member FDIC.