FALLS CITY NATIONAL BANK

Friendly Courteous Neighborly Banking since 1907

Privacy Policy

WHAT DOES FALLS CITY 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
  • Credit History
  • Account balances
  • Checking account information
  • Payment History
  • Wire transfer instructions

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 reason financial companies can share their customers' personal information; the reasons Falls City National Bank chooses to share; and whether you can limit this sharing.

For our Everyday business purpose - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
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 purpose - information about your creditworthiness No We don't share
For non-affiliates to market to you No We don't share

QUESTIONS?

Call (830)254-3573 or go to www.fcnb.net

WHO WE ARE

Who is providing this notice?

Falls City National Bank

WHAT WE DO

How does Falls City National Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We may ask personal information that only you as an account holder would have knowledge.

How does Falls City National Bank collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Provide account information
  • Deposit money
  • Show your driver's license
  • Apply for a loan

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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing

DEFINITIONS

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

- Falls City National Bank has no affiliates

Nonaffilliates

Companies not related by common ownership or control. They can be financial and non­financial companies.

- Falls City National Bank does not share with non affiliates so they can market to you

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

- Falls City National Bank doesn't jointly market

U.S. Patriot Act Policy

USA PATRIOT ACT

IMPORTANT INFORMATION:
ABOUT PROCEDURES FOR OPENING
OR CHANGING AN ACCOUNT WITH

Falls City National Bank

Section 326 of the USA PATRIOT ACT
requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
This federal requirement applies to all new customers.
This information is used to assist the United States government in the fight against the funding of terrorism
and money-laundering activities.

What this means to you:
when you open an account, we will ask each person
for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them.

Additionally, FinCEN has adopted
what they describe as a “two pronged” approach to beneficial ownership.

The ownership prong includes all natural persons with 25% or more direct or indirect equity interest
in a legal entity while the control prong is a single individual with significant managerial responsibility
(the Rule says “control, manage or direct”) over the legal entity.

We will ask to see each person’s driver’s license and other identifying documents,
and copy or record information from each of them.