Privacy Policy

The First National Bank of Eagle River understands the need to treat our customers' personal and financial information in an appropriate and confidential manner. The following policy affirms our commitment to you and your right to privacy.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean First National Bank of Eagle River.

This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers:

• Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
  • Deposit account
  • Loan account
  • Credit card account
  • Safe deposit box
  • Self-directed Individual Retirement Account

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms.

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. Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, or 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 person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an “other party.”


THE INFORMATION WE COLLECT

We collect information about you from the following sources:

• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency
• Information provided in e-mails you send to us*

*INTERNET PRIVACY

Visitors to The First National Bank of Eagle River's Web site will remain anonymous. Our web site host uses standard software to collect non-identifying information about our visitors, such as date and time our site was accessed, IP address from which our site was accessed, the domain from which you access the web. We do not capture any personal identifying information about visitors unless this information is provided to us as part of an e-mail. In such cases, this information will only be used to provide the services and products requested. Please read the Internet "TERMS OF USE" for more information.

THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR INFORMATION

We restrict access to 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 to protect this information.


YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

INFORMATION ABOUT FORMER CUSTOMERS

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

AUTHORIZED SHARING – JOINT MARKETING

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

• Information you give us on an application or other forms, such as:
  
  • Name
  • Address

We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. We are not required by law to offer you the right to opt out of the disclosure of this information.

Types of Businesses
We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Reasons For Disclosing
We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products or services.


Copyright © 2003 First National Bank of Eagle River. All Rights Reserved

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