FNBT.COM BANK

Privacy Policies

FACTS		WHAT DOES FNBT.COM BANK 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: Social Security number and income Account balances and Payment history Credit history and Credit scores

How?		All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons FNBT.COM BANK chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information			Does FNBT.COM BANK 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 marketing purposes— to offer our products and services to you			Yes	No
For joint marketing with other financial companies			No	We do not share
For our affiliates’ everyday business purposes— information about your transactions and experiences			Yes	Yes
For our affiliates’ everyday business purposes— information about your creditworthiness			Yes	Yes
For our affiliates to market to you			Yes	Yes
For non-affiliates to market to you			No	We do not share

To limit our sharing	Call 850.796.2000 —our menu will prompt you through your choice(s) Visit us online: www.fnbt.com Mail the form below Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?	Call 850.796.2000 or go to www.fnbt.com



Who we are
Who is providing this notice?				FNBT.COM BANK

What we do
How does FNBT.COM BANK 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 FNBT.COM BANK collect my personal information?		We collect your personal information, for example, when you Open an account or deposit money Pay your bills or apply for a loan Use your credit or debit card
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 creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?			Your choices will apply to everyone on your account – unless you tell us otherwise.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with a common corporate identity of FNBT.COM BANK; financial companies such as Mortgage One of the South, Inc. and American Finance; nonfinancial companies, such as Seahorse Realty and First Appraisal Corp. and others, such as Southern Courier Service.
Non-affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. FNBT.COM BANK does not share with nonaffiliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include Raymond James Financial Services, Inc.