Vinton County National Bank

Annual Privacy Notice

FACTS

WHAT DOES VINTON COUNTY NATIONAL BANK 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 Account Balance
  • Credit History and Credit Scores
  • Transaction History and Payment History

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 Vinton County National Bank choose to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does VCNB Share?

Can you limit 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

Yes No

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 non-affiliates to market to you

No

We do not share

 Questions?

Call 800.542.5004 or visit www.VintonCountyBank.com

 Who we are

Who is providing this notice?

VINTON COUNTY NATIONAL BANK (VCNB)

 What we do

How does VCNB 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.

How does VCNB collect my personal information?

We collect your personal information, for example, when you:

  • Open an account or Apply for a loan
  • Apply for a credit/debit card or Apply for insurance
  • Show your driver’s license or government issued ID

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 credit worthiness
  • Affiliates’ from using your information to market to you
  • Sharing for non-affiliates to market to you

Share 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 non-financial companies.

  • Community Bancshares, Inc. is an affiliate of Vinton County National Bank.
Non-Affiliates

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

  • Vinton County National Bank does not share with non-affiliates to market their products or services.
Joint Marketing

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

  • Our joint marketing partners include our debit/credit card company.