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FACTS

WHAT DOES FIRST NATIONAL BANK of AMERICA (FIRST NATIONAL) 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 and income
  • Account balances and payment history
  • Transaction history and credit history

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 reasons financial companies can share their customers’ personal information; the reasons First National chooses to share; and whether you can limit this sharing

Reasons we can share your personal information Does FIRST NATIONAL share? Can you limit this sharing?

For our everyday business purposes –

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

 Yes No
For joint marketing with other financial companies No We don’t share

For our affiliates’ everyday business purposes –

Information about your transactions and experiences

 Yes In Some Instances

For our affiliates’ everyday business purposes –

Information about your creditworthiness

 No We don’t share
For nonaffiliates to market to you No We don’t share

QUESTIONS?

Give us a call at:

Loan Customers: 800-266-7661

Deposit Customers: 800-968-3626

Or Visit our website at: www.fnba.com/resources/privacypolicy/

WHO WE ARE

Who is providing this notice?

First National Bank of America; First National Acceptance Company; First National Development Company, Rose Acceptance, Inc.; and Rose Land and Finance Corporation.

WHAT WE DO

How does FIRST NATIONAL 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.

How does FIRST NATIONAL collect my personal information?

We collect your personal information, for example, when you

  • Open an account or apply for a loan
  • Pay your bills or make deposits or withdrawals from your account
  • Use your credit or debit card

We also collect 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 nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

DEFINITIONS

Affiliates

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

  • Our affiliates include financial companies such as First National Acceptance Company; First National Development Company, Rose Acceptance, Inc.; and Rose Land and Finance Corporation

Nonaffiliates

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

  • First National Bank of America does not share with nonaffiliates so they can market to you.

Joint marketing

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

  • First National Bank of America does not jointly market.

OTHER IMPORTANT INFORMATION

Special notice for residents of CALIFORNIA: We will not share information we collect about you with nonaffiliates unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit our sharing among our affiliates to the extent required by California law.

Special notice for residents of VERMONT: We will not share your information with affiliates, other than information relating to your account transactions and our experiences with you, except as permitted or required by applicable law. FIRST NATIONAL does not share your information with nonaffiliates, except as permitted or required by applicable law