Rev. 08/2013

FACTS

WHAT DOES 1ST NATIONAL BANK OF SCOTIA 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 and income
  • Account balances and payment history
  • Credit history and employment information

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 1st National Bank of Scotia chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information

Does 1st National Bank of Scotia 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

YES

NO

For joint marketing with other financial companies

NO

WE DON’T SHARE

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

WE DON’T SHARE

For our affiliates to market to you

YES

YES

For non-affiliates to market to you

NO

WE DON’T SHARE

To limit
our sharing

  • Mail the form below

 

Please note:

If you are a new customer, we can begin sharing your information (30) days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call (518) 370-7200 or go to firstscotia.com

 

Mail-in Form

(If you have a joint account, your choice(s) will apply to
everyone on
your account
unless you
mark below.
Apply my
choices only to
me.

Mark any/all you want to limit:

Do not allow your affiliates to use my personal information to market to me.

Name

 

Mail to:
1st National Bank of Scotia
201 Mohawk Ave.
Scotia, NY 12302

Address

 

 

City, State, Zip

 

Account (#s)

 

 

 

 

What we do

 

How does 1st National Bank of Scotia 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 also restrict access to personal information about you to those employees who need to know that information to provide products and services to you.

 

How does 1st National Bank of Scotia collect my personal information?

 

We collect your personal information, for example, when you

  • Open an account or deposit money
  • Pay your bills or apply for a loan
  • Use your credit or debit card

 

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 non-affiliates to market to you

 

State laws and individual companies may give you additional rights to limit sharing.

 

 

What happens when I limit sharing for an account I hold jointly with someone else?

 

 

Your choices will apply to everyone on your account - unless you tell us otherwise.

 

Definitions

 

Affiliates

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

  • Our affiliates include our bank holding company, Glenville Bank Holding Co., Inc. and insurance company, Scotia Insurance Agency, Inc. d/b/a FNB Financial Services, Scautub Agency, LLC

Non-affiliates

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

  • 1st National Bank of Scotia does not share with non-affiliates so they can market to you

Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • 1st National Bank of Scotia doesn’t jointly market

Download a copy of the First National Bank of Scotia Privacy Policy

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