FARMERS NATIONAL BANK
NOTICE OF YOUR
FINANCIAL PRIVACY RIGHTS
We, our, and us mean Farmers National Bank.
We recognize, respect and protect the personal privacy rights of all our customers.
We realize that our customers entrust us with personal information and it is our policy to maintain our customers’ information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers’ personal information, as well as personal information of consumers who visit our institution and web site.
When we use the words “you” and “your” we mean the following types of customers:
We will tell you the sources for nonpublic personal information we collect on our customers. 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.
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 company that is not an affiliate of ours.
THE INFORMATION THAT WE COLLECT
We collect nonpublic personal information about you from the following sources:
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Information we receive from you on applications or other forms
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Information about your transactions with us
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Information about your transactions with nonaffiliated third parties
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Information from a consumer reporting agency
INFORMATION WE MAY DISCLOSE ABOUT YOU
We do NOT disclose any nonpublic personal information about you to anyone, except as permitted by law.
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.
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 FORMER CUSTOMERS
We do not disclose nonpublic personal information about former customers, except as permitted by law.
PRIVACY STATEMENT
Online Consumer Privacy Principles
In recent years, technology has increased the ability of banks to gather, analyze, and distribute consumer information. We understand and appreciate that our web site visitors are concerned about their privacy and the confidentiality and security of information we may obtain about them online. Banks are entrusted to protect consumer information. On the other hand, banks need to have and use information in order to manage risk, as well as to deliver products and services to consumers. In an effort to balance consumers' privacy expectations and the need to use information to conduct our business, Farmers National Bank has developed the set of Online Consumer Privacy Principles for our banks set forth below.
Expectation of Privacy
We understand and respect consumers' expectations of privacy for the sensitive information they have entrusted to us. We maintain policies designed to assure the appropriate use of information about consumers.
Collection, Retention, and Use of Consumer Information
We collect, retain, and use information about consumers where we reasonably believe that it is helpful to conduct our business, to assess and manage risk, to comply with law and regulation, and to provide products, services, and other opportunities to consumers.
Maintenance of Accurate Information
We take steps designed to assure that consumer information is current, accurate, and complete in accordance with commercial standards. If you ever find that our records are incomplete, inaccurate or not current, please call the telephone number on your account statement. We will investigate and correct inaccuracies in a timely manner.
Access to Consumer Information
Access to information about consumers is restricted to individuals using it in the legitimate conduct of our business. We emphasize the importance of confidentiality and privacy through training, operating procedures and our policies on ethics.
Information Protection
We maintain security standards and procedures designed to prevent unauthorized access to consumer information. We test and update our technology to provide protection to information about consumers.
Restrictions on the Disclosure of Account Information
We share information regarding customers among our banking divisions and affiliated companies only in accordance with strict confidentiality policies and with applicable law. We do not reveal specific information about our customers' accounts or other personally identifiable data to unaffiliated parties for their independent use, unless (1) our customer has requested it; (2) the information is provided to help complete a transaction initiated by our customer; (3) the information is provided to a reputable credit bureau or similar information reporting agency; or (4) disclosure is lawfully permitted or required; for example, in connection with litigation, fraud investigation, or potential business purchases and sales.
Maintaining Customer Privacy in Business Relationships with Outside Third Parties
At times it is necessary to provide personally identifiable information about our customers to a third party, such as a vendor or service company that we hire to provide support or services for one or more of our products. These vendors and service companies agree to safeguard our confidential customer information and they must abide by applicable law.
Our Commitment
As we move forward in developing new products and services in this era of technological change, we will continue to maintain our dedication to our Privacy Principles. We will monitor and update these Privacy Principles from time to time. The most recent version of our privacy principles, along with our "Online Consumer Security Principles", may be found here.
SECURITY STATEMENT
Online Consumer Security Principles
Farmers National Bank knows that security is the cornerstone of providing online service to our customers. Therefore, Farmers National Bank has instituted necessary privacy and security principles. Each of the safety measures listed below has been implemented to ensure your privacy, and to protect your personal financial information from unauthorized access.
Access Codes
To obtain any financial services from the Farmers National Bank web sites, you must use your personal access codes, specifically, a User ID and a Password. No one can access the web site to find out about your personal financial dealings with Farmers National Bank unless they have both your User ID and Password. Treat both your User ID and Password with the same degree of care and secrecy as you treat your ATM personal identification number (PIN) and your other sensitive financial data.
Timeout Feature
Farmers National Bank’s web sites have a timeout feature in those areas of the web sites requiring account login to access your financial information. This feature automatically logs you out of your financial services session after an extended period of inactivity on our site. Because someone else might obtain physical access to your system, it is better for privacy reasons for you to explicitly log off the financial services session after you finish accessing your personal financial information, rather than waiting for the timeout feature to occur.
Firewalls and Activity Logs
Firewalls and activity logs are additional mechanisms that Farmers National Bank uses to protect your privacy. Technically, firewalls analyze the source and destination addresses and the traffic type to ensure that only authorized users have access to our systems. We also review activity logs to find anything that appears out of the ordinary. We look at specific individual information only to investigate activities that appear suspicious and to protect our systems and your information.
Cryptography
The way the encryption process works is that first you send us a secure message from your browser. We respond by sending you a certificate that contains our "key" to lock and unlock the coded messages between us. Your browser uses this key so that the "conversations" between your browser and our server are coded in such a way that we both can encrypt and decode the conversations, preventing others from understanding them. Whenever possible, Farmers National Bank uses the strongest browser encryption technology available. Because this encryption technology is so strong, the U.S. government will generally not permit the export of browsers supporting this technology. Therefore, some of Farmers National Bank’s online financial services may not be available outside of the United States and Canada.
"Cookies"
A "cookie" is a small text file placed on your system by the Web server. A cookie does not harm your system. Cookies can only be read by the server that sent the cookie to your browser, and they cannot be used to retrieve any information from the computer that has not been given directly by the client to the server. The primary use of cookies is to simplify access to areas of the web site that require passwords and logon IDs and to personalize the web site to your own preferences. To provide better services and a more effective web site, we may use "cookies" as part of our interaction with your browser. You have the option of determining if and how a cookie will be accepted by configuring preferences on your own browser. If you decide to disallow cookies, certain areas of the web site will not work as well or may not be accessible.
Your E-Mails
E-mail transmitted across the Internet is normally not encrypted and may be intercepted by third parties. You should therefore avoid sending any confidential or private information in e-mails to Farmers National Bank. Likewise, we will not include confidential information in any e-mailed response to you. Farmers National Bank and/or third party vendors retains the content of your e-mail and our replies to ensure proper responses to your questions and requests and to comply with legal and regulatory requirements.
System Protection
Farmers National Bank and/or our third party vendors utilize the most up-to-date technology to protect our internal systems and your personal financial information from computer viruses. Malicious viruses can sometimes be used, however, to gain access to your personal computer. For protection of your personal system, you may wish to implement the following measures.
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Install and periodically update a virus protection software package to detect and eliminate potential viruses on your computer.
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Use only current web browsers from companies such as Netscape® or Microsoft® that are certified for secure and private transactions and support
128-bit encryption techniques. It is also important to update or install patches as recommended by your browser provider. We suggest you periodically visit the provider's web site for any necessary updates or patches to keep your browser up to date for the best protection.
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Install all appropriate updates to your operating system, especially those related to security
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Avoid downloading applications or opening attachments in unsolicited e-mail from unknown sources.
