PRIVACY STATEMENT

FACTS

WHAT DOES FIRST NATIONAL 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 services you have with us. This information can include:

  • Social Security, income and employment information

  • Account balances and transaction history

  • Credit history

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 chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does First National Bank share? Can you limit this sharing?

For our everyday business purposes –
such as to process your transaction, maintain your account(s), respond to court orders and legal investigations, or report to credit bureau

YES NO

For our marketing purposes –
To offer our products and services to you

YES NO

For joint marketing with other financial companies

NO N/A

For our affiliates’ everyday business purposes –
Information about your transactions and experiences

YES NO

For our affiliates’ everyday business purposes –
Information about your creditworthiness

NO N/A

For our affiliates to market to you

NO N/A

For non-affiliates to market to you

NO N/A
Questions?

Call (915) 779-7100 or go to www.fnbelpaso.com

Who we are
Who is providing this notice?

First National Bank

What we do
How does First National 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 First National Bank collect my personal information?

We collect your personal information, for example, when you:

• open an account or make deposits or withdrawals from your accounts
• apply for a loan
• give us your income information
• give us your driver’s license

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

Definitions
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Our affiliates include First Fabens BanCorporation, Inc. (Holding Company) and Rio Bravo Title LLC, a nonfinancial company providing loan title services.

Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• First National Bank does not share with non-affiliates 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 does not jointly market.

Other Important Information

Important Notice about Credit Reporting: We may report information about your account(s) to credit bureaus and/or consumer reporting agencies. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report and/or consumer report.

Customer Information Awareness and Best Practices

Because we are concerned and feel you should be cautious as well...

Review your account activity on a regular basis to ensure there are no unauthorized transactions. Report fraudulent entries or suspicious activity to us as soon as you detect it.

First National Bank will never initiate a request for sensitive information from you (i.e., social security number, personal login ID, password, PIN or account number) nor ask you to verify account information via email.

We strongly suggest that you do not share your personal login ID, password, PIN or account number with anyone, under any circumstances.

If you receive an email that requests this type of action, you should be suspicious of it and contact us immediately. We also suggest you report suspicious emails or calls to the Federal Trade Commission through the Internet at http://www.consumer.gov/idtheft, or by calling 1-877-IDTHEFT.

How to Protect Yourself and Minimize Your Risk

Check fraud, identity theft and other financial fraud schemes are in the news every day. Every year thousands of people are victimized through the passing of forged checks accompanied by lost, stolen or fictitious identification.

To help combat these crimes, we may ask for extra identification or perform additional verification steps when processing your transactions as a protective measure. We consistently strive to improve customer service by using the best tools, systems and practices available to identify and prevent fraud.

If you have any questions or concerns, please feel free to contact us here or e-mail us and we will respond as soon as possible. If you would like to call instead, you can reach our customer service department at (915) 779-7100.

 
   

© 2010 First National Bank | El Paso, TX  All rights reserved.

To report a lost or stolen ATM/Debit card call:

1 800-500-1044