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First National Bank of Northern California
Privacy Policy
The directors, management, and staff of First National Bank of Northern California are concerned about and respect the privacy of our customers' personal financial information. We understand that our customers furnish sensitive information to us in the course of daily business, and we are committed to treating such information responsibly. We know that our customers expect privacy and security for their personal and financial affairs.
TYPES OF INFORMATION 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 or others; and
Information we receive from a consumer reporting agency.
TYPES OF INFORMATION WE DISCLOSE
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as required by law or in the course of normal banking business. For example, we provide balance information to ATM networks so that they are able to release cash to you while you are using another financial institution's ATM.
SAFEGUARDING CUSTOMER 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. For example, information in loan files can only be accessed by employees who work in the loan origination or loan operations departments. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
All employees have a copy of this policy and are trained at least annually regarding the importance of safeguarding customer information. The human resources manager and the appropriate department manager will take disciplinary action against any employee who violates our Bank's privacy policy and procedures.
If we change our policy or practice by, for example, adding a category of information that will be disclosed to a third party, we will notify existing customers and give them an appropriate time period to opt out of the disclosure.
The board of directors approved and adopted this policy on November 29, 2000 and amended it on May 18, 2005.
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