Personal Information Disclosure

Rev. May 9, 2017

FACTSWHAT DOES THE FIRST NATIONAL BANK OF DRYDEN 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 employment information

-  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 The First National Bank of Dryden chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes The First National Bank of Dryden 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
YesNo
For our marketing purposes—
to offer our products and services to you
Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes—
information about your transactions and experiences
No We don't share
For our affiliates’ everyday business purposes—
information about your creditworthiness
No We don't share
For nonaffiliates to market to you No We don't share
 
Questions?Call 607-844-8141 or go to www.drydenbank.com

OFFICES LOCATED AT

Dryden Main Office
7 West Main Street
Dryden, NY 13053
607-844-8141

 Cortland Office
853 Route 13
Cortland, NY 13045
607-753-0392

 Homer Office
12 South Main Street
Homer, NY 13077
607-662-4179

North Street Office
120 North Street
Dryden, NY 13053
607-844-8141

What we do

How does The First National Bank of Dryden 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 restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.

How does The First National Bank of Dryden collect my personal information?We collect your personal information, for example, when you

-  open an account or give us your contact information

-  apply for a loan or use your credit or debit card

-  make a wire transfer

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

The First National Bank of Dryden has no affiliates.

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

-   The First National Bank of Dryden does not share with nonaffiliates so they can market to you.

Joint marketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Our joint marketing partners include another financial institution and check printing companies.