Privacy Policy

FACTS	What does the First National Bank of Frederick 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: Account Balances and Credit History Social Security number and Transaction History Payment History and Account Transactions
HOW?	All ﬁnancial companies need to share customer’s personal information to run their everyday business. In the section below, we list the reasons ﬁnancial companies can share their personal information; the reasons First National Bank of Frederick chooses to share; and whether you can limit this sharing.

When you are no longer our customer, we continue to share your information as described in this notice.

Reasons we can share your personal information	Does First National Bank of Frederick 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 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	No	We don’t share
For joint marketing with other ﬁnancial companies	No	We don’t share
For our afﬁliates’ everyday business purposes—information about your transactions and experiences	No	We don’t share
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? Call 605-329-2455 or go to fnbfrederick.com

Who we are
Who is providing this notice?	First National Bank of Frederick
How does First National Bank of Frederick 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 Bank of Frederick collect my personal information?	We collect your personal information, for example, when you open an account or make deposits or withdrawals Deposit money or apply for financing Apply for a loan We also collect your personal information from others, such as credit bureaus, affiliates, and 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 credit worthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you
Definitions
Affiliates	Companies related by common ownership or control. They can be ﬁnancial and nonﬁnancial companies. First National Bank of Frederick has no affiliates
Nonaffiliates	Companies not related by common ownership or control. They can be ﬁnancial and nonﬁnancial companies. First National Bank of Frederick does not share with affiliates so they can market you.
Joint marketing	A formal agreement between nonafﬁliated ﬁnancial companies that together market ﬁnancial products or services to you. First National Bank of Frederick does not jointly market .
Other important information

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