Privacy Policy

FIRST NATIONAL BANK OF THE GULF COAST

PRIVACY POLICY


This policy covers Customer Information, which means personally identifiable information about a consumer or a consumer's current or former customer relationship with First National Bank of the Gulf Coast. This policy is provided to you as required by the Federal Financial Privacy Law. While information is the cornerstone of our ability to provide superior service, First National Bank of the Gulf Coast's most important asset is our Customer's trust. When you entrust us with your personal information, you can be certain we will use it within the established privacy laws and the guidelines provided in this notice. We are committed to your right to have your personal financial information remain private and secure.

This notice describes how we handle your personal information and explains your choices regarding disclosures to third parties. We will provide a copy of our privacy policy to you at least annually as long as you continue your relationship with us. If we make significant changes to this policy, we will inform you of the changes before they become effective.


Information Collection — Public and Non-Public Personal Information

First National Bank of the Gulf Coast only collects information about you that is necessary to provide superior customer service, maintain and administer your account, and to provide financial services that are of interest to you. The type of information we collect and use is categorized as follows:

As required by the USA PATRIOT Act, we also collect information and take actions necessary to verify your identification.



Information Security; Confidentiality and Accuracy

Keeping financial information secure is one of our most important responsibilities. We train our employees about privacy laws, our privacy policy and procedures, and confidentiality to ensure your non-public personal information is safe. We maintain physical, electronic and procedural safeguards to protect Customer information. First National Bank of the Gulf Coast restricts access to your non-public personal information only to those employees authorized to access customer information for business purposes. Our employees are bound by a code of ethics that requires confidential treatment of customer information and are subject to disciplinary action if they fail to follow this code.


In addition to First National Bank of the Gulf Coast's Privacy Policy, we also have policies in place for Information Security Standards and an Incident Response Program for Unauthorized Access to Customer Information.


Managing Information Disclosure

First National Bank of the Gulf Coast may share any of the categories of customer information with companies that work for us. All non-affiliated companies that act on our behalf and receive customer information from us are contractually obligated to keep the information we provide to them confidential, and to use the customer information we share only to provide the services we ask them to perform. The information we share helps us bring you greater convenience and more choices. We limit who receives customer information and what type of information is shared. It is the policy of First National Bank of the Gulf Coast not to sell or disclose customer information or share non-public personal information about our customers with non-affiliated third parties except where permitted by law. Such instances may include disclosures:

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice. We will not disclose your non-public personal information, except as allowed by law, just as if you had continued your relationship with us.


Authorized Sharing For Marketing Purposes

In order to provide you with the financial products and services you need to meet your financial goals, First National Bank of the Gulf Coast may occasionally contact you regarding a product or service that may be of interest to you. We may contact you directly or we may enter into a joint marketing agreement with another company such as a financial service provider, mortgage banker, insurance company, direct sales company, or a non-profit organization. As permitted by law, we may share non-public personal information about you with other companies with which we are jointly marketing a product or service. Such information may include, but is not limited to, your name, address, account balances, account activity, types of accounts, payment history and deposit history. When we share your non-public personal information under these circumstances, we require those companies to adhere to our privacy policy and enter into contractual agreements with us that prohibit them from disclosing to other third parties the information we provide to them. We also restrict their use of the information to the purpose for which they were hired.


Your Privacy Choices Regarding Information Disclosed

First National Bank of the Gulf Coast is committed to protecting your information and to using it in ways that will improve services to you. We also want you to know that you have choices about how your information may be disclosed. And, you may exercise the right to opt out at any time. You can tell us your preferences by:



If you have a joint account, a request to opt out by one account owner will apply to all accounts jointly owned by those parties. If you have previously informed us of your choice to opt out, you do not need to do so again. This election will apply to each of your accounts.

Please be aware that even though you may elect to opt out of the disclosure of non-public personal information to third parties for marketing purposes, we will still disclose information we collect about you under other circumstances as permitted or required by law, such as to process transactions on your behalf.



Internet Website and Electronic Banking

First National Bank of the Gulf Coast is committed to providing high levels of security and privacy regarding the collection and use of consumer and customer personal information while visiting our website. The collection of non-public personal information online is designed to protect access to your personal accounts and to assist First National Bank of the Gulf Coast in providing you with the products and services you need to meet your financial goals. We require multiple layers of security (Multi Factor Authorization) in order to authenticate our customers' identities prior to allowing electronic account access. Our stringent security measures ensure that personal information, electronic account applications, e-mail requests, and other communications provided to us through our secure website are delivered only to approved personnel through an encrypted direct line to the Bank. We will collect and store information about your visits to our website in order to make our website more accessible to you when you visit it. The information collected is also maintained securely and privately.


For your convenience, First National Bank of the Gulf Coast's website may contain links to other Internet sites. However, we are not responsible for the privacy or security of those sites, and a disclaimer indicating you are leaving a bank secured site will appear if you choose to link to another Internet site. If you are asked to provide information while visiting those sites, we strongly advise you to review their privacy policy before sharing that information.

In compliance with the Children's Online Privacy Protection Act (COPPA), First National Bank of the Gulf Coast will not knowingly request information from or advertise to children under the age of thirteen (13) without parental consent. We recognize that protecting children's identities and confidentiality online is an important responsibility that rests with online operators and the children's parents.



Guarding Your Own Information

First National Bank of the Gulf Coast recommends that you take the following precautions to guard against the disclosure and unauthorized use of your account and personal information:

First National Bank of the Gulf Coast Family of Companies

Real Estate

         First National Title and Closing Services, Inc.

Questions

  - Revised January 2010



© 2009 First National Bank of the Gulf Coast, member FDIC, Equal Housing Lender, All Rights Reserved.


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