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FACTS	What does First Bank of Utica 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 Transaction history and account transactions
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 Bank of Utica chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does First Bank of Utica share?	Can you limit this sharing?
For our everyday business purposes- such as to process your transaction, 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	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 855-534-2191 or go to www.fbutica.com

Who we are
Who is providing this notice?	First Bank of Utica
What we do
How does First Bank of Utica 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 maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does First Bank of Utica collect my personal information?	We collect your personal information, for example, when you Open Account or make deposits or withdrawals Pay your bills or apply for a loan Provide account information or use your 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 of 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.
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. First Bank of Utica does not share with our affiliates
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. First Bank of Utica does not share with nonaffiliates so they can market you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. First Bank of Utica doesn’t joint market.

Other Important Information