FACTS WHAT DOES FIRST NATIONAL BANK OF DWIGHT 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
    		•
  • Payment history
  • Income
    		•
  • Credit history
    		•
  • Account balances
    		•
  • Credit scores
    		•


    When you are no longer our customer, we continue to share your information as described in this notice.
    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 First National Bank of Dwight chooses to share; and whether you can limit this sharing.
    Reasons we can share your personal information Does First National Bank of Dwight 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     		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 our nonaffiliates to market to you No We don't share
    Questions? Call 815-584-1212 or go to www.fnbofdwight.com


    What we do
    How does First National Bank of Dwight 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.
    We do NOT disclose any information about you to anyone, except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.
    How does First National Bank of Dwight collect my personal information? We collect your personal information, for example, when you
  • Open an account
    		•
  • Provide account information
  • Apply for a loan
    		•
  • Make a wire transfer
    		•
  • Make deposits or withdrawals
    from your account
    		•

    We also collect your personal information from others, such as credit bureaus, affiliates, or 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 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.
    See below for more on your rights under state law.
    Definitions  
    Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
    • First National Bank of Dwight has no affiliates.
    Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
    • First National Bank of Dwight 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.
    • First National Bank of Dwight doesn’t jointly market.
    Other Important Information
    For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing- without your authorization.
    For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing- without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
    For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing- without your authorization.
    For Vermont Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing- without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.