Privacy Policy

Rev. Date 09/2014

Facts	What does First National Bank of St. Ignace 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 depends 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 credit scores When you are no longer our customer, we continue to share your information as described in this notice.
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 of St. Ignace chooses to share; and whether you can limit this sharing.

Facts

What does First National Bank of St. Ignace 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 depends 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 credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

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

Reasons We Can Share Your Personal Information	Does First National Bank of St. Ignace 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 Do Not Share
For our affiliates' everyday business purposes - information about your transactions and experiences	No	We Do Not Share
For our affiliates' everyday business purposes - information about your creditworthiness	No	We Do Not share
For nonaffiliates to market to you	No	We Do Not Share

Questions?	Call (906) 643-6800 or go to www.fnbsi.com


Who We Are
Who is providing this notice?	First National Bank of St. Ignace


What we do
How does First National Bank of St. Ignace 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 and use of your personal and account information only to those employees who need to know your information to provide products and services to you.
How does First National Bank of St. Ignace collect my personal information?	We collect your personal information, for example, when you: Open an account or deposit money Apply for a loan Give us your contact information Make a wire transfer
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. First National Bank of St. Ignace does not share with affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. First National Bank of St. Ignace does not share with nonaffiliates 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 of St. Ignace does not jointly market.

Definitions

Affiliates

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

First National Bank of St. Ignace does not share with affiliates.

Nonaffiliates

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

First National Bank of St. Ignace does not share with nonaffiliates 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 of St. Ignace does not jointly market.

Other Important Information
In accordance with state law, First National Bank of St. Ignace will not share information we collect about state residents with companies outside of First National Bank of St. Ignace, except as permitted by law, such as legal processes or as required to service your account. We will limit sharing within our company to the extent required by applicable state law.