Mountain National Bank

Mountain National Bank
Recognizing Your Privacy

Notice of Your Financial Privacy Rights

At Mountain National Bank, we feel that quality personal service is the guiding principle of our “Bank Family.” We take pride in our adherence to the more old-fashioned virtue of customer confidentiality. When you open an account with us, you provide us with private financial and personal information, and we are committed to maintaining the confidentiality of that information. As a customer, you are not only protected by federal and state laws but by Mountain National Bank’s commitment to uphold both the spirit and the letter of those laws. Our commitment is described in this Customer Privacy Statement.

We, our, and us mean Mountain National Bank. This is our privacy notice to you, our customer. When we use the words "you" and "your" we mean the following types of customers: all of our consumer customers who have a continuing relationship with us, including a loan or deposit account; a credit card; a safe deposit box; an individual retirement account where we serve as custodian; or a home mortgage.

We believe the confidentiality and protection of your information is one of our fundamental responsibilities both morally and professionally. We will tell you the sources from which nonpublic personal information is collected about you. and we will tell you what measures we take to secure that information. It is with these goals in mind that we have adopted the following principals and have implemented them at all levels of our organization.

Important 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 widely distributed media or government records.

An affiliate is a company we own or control, or a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us.

A nonaffiliated third party is a company that is not an affiliate of ours.

The Information That We Collect

We will only utilize nonpublic personal information for lawful business purposes. Whether customer information is obtained directly from you, or it is generated during the course of our business relationship, it will remain confidential and will not be used, collected, or retained unless we have a legitimate business purpose to do so. We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms
Information about your transactions with us
Information about your transactions with nonaffiliated third parties
Information from a consumer reporting agency

The Information We Disclose About You

Occasionally we provide information about you and your finances to other companies with whom we do business. For example, we are required to share your financial information with parties named in a lawsuit or administrative action when we are served with a subpoena or court order and with federal or state regulatory authorities, such as banking examiners or the Internal Revenue Service, as authorized by federal or state law. Consistent with the practice of other financial institutions, we also share information about you and your account(s) with us with reputable credit reporting agencies as authorized under federal law and with others who may receive certain information from us under particular circumstances but only as lawfully permitted or required.

In general, however we will not reveal any non-public personal information about you to a nonaffiliated third party, unless one of the following applies:

You have consented to the disclosure
The information is provided to aid in the completion of a request that you have authorized
The information is provided to companies that participate with us in supplying products and services to you or that promote products or services on behalf of us

If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices described in this notice.

Protecting Your Information

At Mountain National Bank, we are committed to the security of your financial and personal information. An important part of our employee orientation program is the emphasis we place on customer confidentiality. All of our employees are aware of their responsibility with respect to information to those employees who need to know that information to provide products or services to you.

We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect your sensitive information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with internal security practices.

Maintaining Your Information

Maintaining accurate information is essential to protect the integrity of your records. We take precautions to ensure that information is correct and complete. If you think any information we have about you or your account(s) may be incorrect, please notify us immediately. We take prompt action to make the appropriate corrections.

At Mountain National Bank, we value your relationship. If you have any questions or concerns about our commitment to safeguard your personal information, you may contact your local branch or write to us at the address below.

Mountain National Bank

PO Box 6519
Sevierville, TN 37864-6519