Confidentiality of customer information has always been and will continue to be one of our biggest priorities. We appreciate your confidence and trust and will make every effort to protect your privacy. We do not use the Internet to collect private information about customers. Internet Banking is a service we provide to our customers, not a source of information about them. We do not sell personal information about our customers to third party businesses. The following is our Privacy Policy:

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS


We, our, and us, when used in this notice, mean The First National Bank at St. James.

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
Safe Deposit box
Self directed IRA where we act as custodian or trustee
Financial, investment, or economic advisory services

We will tell you the sources for nonpublic personal information we collect on our customers and what measures we take to secure that information.

DEFINITIONS:

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.


A nonaffiliated third party is a company that is not owned or controlled by us or that does not own or control us or is not owned or controlled by the same company as owns and controls us.

INFORMATION THAT WE COLLECT

We collect nonpublic 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


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 standards to guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES

We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS

We do not disclose nonpublic personal information about former customers except as permitted by law.

AUTHORIZED SHARING-JOINT MARKETING

We may disclose nonpublic personal information (Example: Name and address) we receive from you on an application or other forms to other financial institutions with whom we have joint marketing agreements:
Federal law allows us to disclose the information listed above to other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Types of Businesses: We may disclose nonpublic personal information under this section with financial service providers, such as insurance companies and our in-house PrimeVest Office.

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