NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
This is our privacy notice for our customers. When we
use the words "you" and "your" we
mean the following types of customers:
All of our consumer customers who have a continuing
relationship with us, such as:
-
Deposit account
-
Loan account
-
We will tell you the sources for nonpublic personal
information we collect on our customers. We will tell
you what measures we take to secure that information.
We first define some terms.
We, our,
and us means The First National
Bank of Osakis.
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.
An affiliate is a company we
own or control, a company that owns or controls us, and
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 company that is not an affiliate of ours.
THE INFORMATION THAT WE COLLECT
We collect nonpublic personal information about you
from the following sources:
-
Information we
receive from you on applications or other forms
-
Information about
your transactions with us
-
Information about
your transactions with nonaffiliated third parties
-
Information from
a consumer reporting agency We do not disclose any nonpublic
personal information about you to anyone, except as
permitted by law.
THE CONFIDENTIALITY. SECURITY,
AND INTEGRITY
OF YOUR NONPUBLIC PERSONAL INFORMATION
We restrict access to nonpublic personal 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 that comply with
federal regulations to guard your nonpublic personal information.
NONPUBLIC PERSONAL INFORMATION
AND NONAFFILIATED THIRD PARTIES
Since we value our customer relationship with you, we
will not disclose your nonpublic personal information
to nonaffiliated third parties, except as permitted by
law. This might include disclosures necessary to service
your account, perform joint marketing or prevent unauthorized
transactions.
NONPUBLIC PERSONAL INFORMATION
AND FORMER CUSTOMERS
We do not disclose nonpublic personal information about
former customers, except as permitted by law.
|
