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One F.N.B. Boulevard
Hermitage, PA 16148
800.555.5455
©2007 F.N.B Corporation
All Rights Reserved
July 4, 2008 FNB 10.64 as of 1:06pm
Privacy Policy
We recognize the sensitive nature of your personal financial information and take precautions to protect your privacy. When you entrust us with your financial information, you can be certain it will be used within our guidelines.
We are committed to your right to have your personal financial information remain private and secure. While information is the cornerstone of our ability to provide superior service, our most important asset is our customer trust. Therefore, we have adopted this Privacy Policy.
We have prepared this Policy to explain what types of information we collect, how we use it, and under what circumstances we may share it. We want you to know that we use information we know about you responsibly to:
Provide you with the services you have requested.
Offer you other bank products and services.
Alert you to financial products and services made available by our carefully selected marketing partners.
This Policy covers Customer Information, which means personally identifiable information about a consumer or a consumer's current or former relationship with us.
You do not have to take any action to prevent us from selling your information because we do not sell customer information to any third parties.
Collection and Use
We limit the personal information about you which we collect and use to that which is necessary to provide superior customer service, maintain and administer your account, and to provide financial services that are of interest to you. Generally, the information we gather about customers is provided directly by you. We develop additional information as part of providing a service and gather information from outside sources such as public records, market research and credit reports. We use that information only in accordance with the principles set out in this Policy.
Accuracy We continually strive to ensure that the information we maintain about you is complete and accurate. You have the right to notify us if you believe we have reported inaccurate information about you or your account to any consumer reporting agency. Notices should be sent in writing and include your complete name, current address, Social Security Number, telephone number, account number, type of account, specific item in dispute and the reason why you believe the information reported is in error. Send your notice to:
F.N.B. Technology Center
Attn: Privacy Department
4140 East State Street
Hermitage, Pennsylvania 16148-3487
Phone: 1-800-555-5455
We will investigate your concerns and correct any inaccuracies and confirm our actions to you.
Confidentiality and Security
We will allow employees to access information about you when that access is necessary to maintain your accounts, service your needs, or perform other required activities. We educate our employees about the importance of confidentiality and customer privacy. Additionally, our employees are governed by a Code of Ethics that includes the responsibility to protect the confidentiality of each customer's personal information. We maintain physical, electronic and procedural safeguards to guard your nonpublic personal information.
Even if you are no longer our customer, we will continue to treat your nonpublic personal information in the same way as if you were still a customer. In addition, we maintain physical, electronic and procedural safeguards to guard this personal information.
Managing Information for Your Convenience 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 as described below.
Sharing Customer Information with Affiliates
We are a Financial Services Holding Company which owns banks located in Pennsylvania and Ohio, a trust company with operations in Pennsylvania and Ohio, a consumer finance company with offices in Pennsylvania, Ohio and Tennessee, and an insurance agency in Pennsylvania. All of these companies work together to provide financial services to you. We can serve you more efficiently and make it easier for you to do business with us by sharing your information among our affiliates.
We share personal information about you among our affiliates. The type of information we may share with our affiliates includes the following: information we receive from you on applications or other forms, such as your name, address, Social Security Number, assets, or income; information about your transactions with us, such as your account balance or payment history; information obtained from specialized marketing information firms, such as household demographics; and information we receive from consumer reporting agencies and others, such as your creditworthiness and credit history.
Sharing Information with Outside Service Providers
We may disclose the above information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.
Medical Information
We occasionally receive medical information about a customer, for example, if a customer applies for insurance from us. If we do receive medical or health information about a customer, we will not share it, except as necessary to maintain accounts, process transactions or provide services the customer has requested or initiated.
Sharing Information with Consumer Reporting Agencies and Other Companies
In accordance with standard banking industry practice, and as allowed under federal and state law, we routinely provide data about customer loan repayment and other transactions to these agencies and other creditors.
Sharing Information with Courts and Government Entities
Certain federal and state statutes may require us to disclose information about you. For example, if you are involved in litigation with a third party, we may be ordered to provide information to a court or the other litigant. In these circumstances, we will only disclose the specific information required by law, subpoena, or court order.
Affiliates
If you are also a customer of any of our affiliates (listed on back) and you receive a notice of that affiliate's intent to share certain information about you with others, you will need to separately notify the particular affiliate if you do not want that information shared.
Keeping Up-to-date with Our Privacy Policy
We will provide notice of our Privacy Policy annually, as long as you maintain an ongoing relationship with us. We reserve the right to change this Privacy Policy at any time. You will be advised of any changes. You can always review our current Policy by contacting us for a copy at 1-800-555-5455.
Telephone Solicitation
You may request to be excluded from telephone solicitations by us and third party providers working with us. If you do not wish to receive such telephone solicitations, inform the person calling you and you will be placed on a list of people that will not be solicited by phone, or you may call the Customer Service Center of F.N.B. at 1-800-555-5455 or write to us at:
F.N.B. Technology Center
Attn: Privacy Department
4140 East State Stree
Hermitage, Pennsylvania 16148-3487
Phone: 1-800-555-5455
Your Opportunity to Choose How Your Information is Used
By sharing information among our group of affiliates, it is our intention to provide you with a full array of financial services specifically tailored to meet your needs or to save you time if you decide to open an account with one of our other companies. If you do not want us to share nonpublic information about you with our affiliates, you may opt out of those disclosures by writing to us at:
F.N.B. Technology Center
Attn: Privacy Department
4140 East State Street
Hermitage, Pennsylvania 16148-3487
Phone: 1-800-555-5455
You may contact us at any time to change your elections.
If your account is a joint account, your decision to opt out will affect all account holders and we will not share the information of any account holder (other than as permitted by law).
Please note that you may still receive mailings if your information was permissibly shared prior to processing your opt out or if the mailings can be provided without violating your opt out request.
You should also know that even if you opt out of information disclosure, various federal laws allow us to share with our affiliates and other companies specific details about your transactions and experience with us, including information about your account balances or payment history.
Where to Find out More If you have questions, concerns, or comments about our privacy practices or the way your information is maintained and used, we'd like to hear from you. Please call or write us at:
F.N.B. Technology Center
Attn: Privacy Department
4140 East State Street
Hermitage, Pennsylvania 16148-3487
Phone: 1-800-555-5455
Our Family of Companies
If you desire to view a current list of affiliates to whom this Policy applies, visit our corporate website at http://www.fnbcorporation.com
As a visitor to our website, you need not be concerned about the privacy of your personal information. Our site is not designed to collect personally identifying data on visitors.
Our website does not require you to disclose any personally identifying information. If, however, you choose to contact us via e-mail, please keep in mind that your e-mail address, and any other information your e-mail header shows about you, such as your name or organization, will be revealed to us in the e-mail. We pledge, however, that when you communicate with us via e-mail, we will use your e-mail information only for the purpose of responding to your comment or questions and to enable us to contact you with additional information about our bank and its products and services. Your e-mail address will not be sold, nor will it be shared with others outside the bank unless we are compelled to do so by law.
A "cookie" is a small piece of information about an internet session that may be created when a visitor accesses a website. Presently, our website does not use cookies if you are a visitor. If you have signed up for Internet Banking, our bill pay option or other services, our website will create a cookie. It is necessary for our system to create the cookie in order that we can identify you during your online banking session, your online banking session will be enhanced and navigation of our website will be easier. Our cookies do not contain any personal information regarding you and do not retrieve any information from your computer.
We reserve the right to change this policy at any time by posting a new Privacy Policy.