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PRIVACY PRINCIPLES FOR INDIVIDUALS:
Protecting your privacy is important to our Bank
and our employees. We want you to understand what information
we collect and how we use it. In order to provide our customers
with a broad range of financial products and services as effectively
and conveniently as possible, we use technology to manage
and maintain customer information. The following policy serves
as a standard for all employees for collection, use, retention
and security of nonpublic personal information.
We, our, and us,
when used in this notice, mean First National Bank of Henning,
Ottertail and Battle Lake.
This is our privacy notice for our customers. When we use
the words "you" and "your" we mean the
following types of customers:
- Our consumer customers who have a continuing relationship
by purchasing or holding financial products or services
such as a(n):
- Deposit account
- Loan account
- Credit card account
- Safe deposit box
- Retail installment contract we hold and service
- Self-directed Individual Retirement Account
- Mortgage brokerage services
We will tell you the sources of the information we collect
about you. We will tell you what measures we take to secure
that information.
We first define some terms.
Nonpublic personal information means
information about you that we collect in connection with providing
a financial product or service to you. Nonpublic personal
information does not include information that is available
from public sources, such as telephone directories or government
records. Hereafter, we will use the term "information"
to mean nonpublic personal information as defined in this
section.
An affiliate is a company we own or
control, a company that owns or controls us, or a company
that is owned or controlled by the same company that owns
or controls us. Ownership does not mean complete ownership,
but means owning enough to have control.
A nonaffiliated third party is a person we
do not employ or a company that is not an affiliate of ours.
This is also known as nonaffiliated third party, or simply,
an "other party."
THE INFORMATION WE COLLECT
We collect information about you from the following sources:
- Information you give us on applications or other forms
- Information about your transactions with us
- Information about your transactions with our affiliates
- Information about your transactions with other parties
- Information from a consumer reporting agency
- Information we receive as a result of verifying customer
information
INFORMATION WE DISCLOSE ABOUT YOU
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.
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR
INFORMATION
We restrict access to information about you to those employees
who need to know that information to provide products or services
to you. We maintain physical, electronic, and procedural safeguards
to protect this information.
INFORMATION ABOUT FORMER CUSTOMERS
We do not disclose information about former customers, except
as permitted by law.
Maintaining accurate information
We continually strive to maintain complete and accurate information
about you and your accounts. If you ever believe that our
records contain inaccurate or incomplete information about
you, please let us know immediately. We'll correct any inaccuracies
as quickly as possible.
Consumer reporting agencies
If you believe we have reported inaccurate information about
your account to any consumer reporting agency, please let
us know in writing. Be sure to include your complete name,
current address, social security number, telephone number,
account number, type of account, specific item of dispute
and the reason you believe the information is wrong. We'll
investigate your concern and correct any inaccuracies we find.
We'll confirm any actions we take with you.
INTERNET PRIVACY
Browsing our Site
When you visit our website to view any pages, read product
information, or use our online calculators and tools, you
do so without telling us who you are and without revealing
any personal information. While we do not collect identifying
information about visitors to our site, we do use standard
software to collect information for the strict purpose of
tracking activity on our site. This allows us to better understand
how many people use our site and which pages and features
are most popular. To evaluate the usefulness of our site,
we may gather and analyze data regarding usage such as:
• The name of your Internet Service Provider,
• The website that referred you to us (if any),
• The date and time the pages were accessed, and
• The page or pages you requested.
About "cookies"
To provide better service and a more effective web site, we use "cookies" as part of our interaction with your browser. A "cookie" is a small text file placed on your hard drive by our web page server. We do not use cookies to get data from your hard drive or to get your email address or personal identifying information.
Cookies are commonly used on web sites and do not harm your system. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted. We use cookies to determine if you have previously visited our web site and for a number of administrative purpose.
How We Handle E-Mail
When you send us an e-mail to comment on something or to ask a question, we will use your e-mail address to reply to you and for a limited time we will store your e-mail address, your message and our response for quality assurance. We may also do this to meet legal and regulatory requirements. If we collect your e-mail address in this manner, we won't use it to let you know about our products and services unless you have given us permission.
This information is not given or sold to any other organization.
E-Mail Security
Regular non-encrypted Internet e-mail is not secure. In the instances where our Internet e-mail addresses are provided, these are provided for information inquiries of a non-sensitive and non-confidential nature. E-mail you send us may not be secure unless we advise you that it is secure prior to transmitting your message. Therefore, we recommend that you not send us confidential information such as social security or account numbers via unsecured email. You may also contact us by phone, U.S. mail or by visiting your nearest banking center.
On-Line Banking
Security
When you bank online with us, we, along with the outside companies we work with to bring these services to you, have access to your information. Information is retained on our system or the system of the appropriate outside company, depending on what is required in order to serve you.
We use state-of-the-art Internet technology, supported by the outside companies we work with, to make online banking secure and to protect your personal information. We also require an I.D. and password or PIN to access your accounts. If you do not provide this information, we cannot establish an online banking service for you.
You can also help safeguard your personal information by taking a few simple precautions. Protect your account, PIN, and customer access numbers. Do not share your I.D. or password with anyone, change your password regularly, and remember to sign off. Never disclose confidential information to unknown callers. When banking on the Internet, be sure to use a secure browser and current virus detection software, and never open e-mail from unknown sources.
Protecting your privacy online
Whenever we ask for personal information on our web site, we use Secure Socket Layer (SSL technology) for transferring data. This technology encrypts - or scrambles - your account information so it's virtually impossible to read by anyone other than employees at our Bank.
Secure Socket Layer (SSL) technology secretly encodes information that is being sent over the Internet between your computer and our Bank, helping to ensure that the information remains confidential.
The use of SSL requires that you have an SSL compatible browser. While older browser versions may support SSL sessions, we strongly recommends the following browsers.
• Windows and Unix operating systems: Netscape Navigator
4.08 of later, Netscape Communicator 4.7 or later and Microsoft
Internet Explorer 4.01 or later.
• Macintosh: Netscape Navigator 4.08 or later, Netscape
Communicator 4.7 or later and Microsoft Internet Explorer
4.5 or later.
You can download the latest version from either of the links below.
http://www.microsoft.com/ie/download/
http://home.netscape.com/download/index.html
Protecting Your Children
Our website is not targeted or marketed to children under the age of thirteen. We respect the privacy of your children, and we comply with the practices established under the Children's Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen.
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