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We, our,
and us, when used in this notice,
mean First State Bank.
This is our privacy notice for our customers. When we use the
words "you" and "your"
we mean the following types of customers:
- Our consumer customers who have a continuing relationship by
purchasing or holding financial products or services such as a:
- Deposit account
- Loan account
- Credit Card account
- Safe deposit box
- Self-directed Individual Retirement Account
- Former Customers
We will tell you the sources of the information we collect about
you. We will tell you what measures we take to secure that information.
We first define some 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 telephone directories or government records.
Hereafter, we will use the term "information" to mean
non public personal information as defined in this section.
An affiliate is a company we
own or control, a company that owns or controls us, or a company
this is owned or controlled by the same company that owns or controls
us. Ownership does not mean complete ownership, but means owning
enough to have control.
A nonaffiliated third party
is a person we do not employ or a company that is not an affiliate
of ours. This is also known as nonaffiliated third party or simply,
an "other party".
THE INFORMATION WE COLLECT
We collect information about you from the following sources:
- Information you give us on application or other forms
- Information about your transactions with us
- Information about your transaction with our affiliates
- Information about your transactions with other parties
- Information from a consumer reporting agency
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY
OF YOUR INFORMATION
We restrict access to information about you to those employees
who need to know that information to provide products or services
to you. We maintain physical, electronic, and procedural safeguards
to protect this information.
YOUR INFORMATION AND OUR AFFILIATES
We may disclose information about you to our affiliates. Here
are the kinds of information and the source of that information:
Transaction and experience information from our account records:
- Information about your transactions and experience with us,
such as:
- Name
- Address
- Account balances
- Account activity
- Types of accounts
- Parties to the transaction
- Credit card usage
- Payment history
- Deposit history
- Social security number
Federal law allows us to disclose the information listed above
with our affiliates. You do not have a right to opt out of the disclosure
of this information.
Types of Affiliates
We may disclose information about you to the following types
of affiliates:
- Financial service providers, such as:
Reasons for Disclosure
We may disclose information about you to our affiliates:
- to provide you with information about additional products
and services
- to evaluate our total relationship with you and our family
of companies and give you the best price that relationship deserves.
YOUR INFORMATION AND OTHER PARTIES
We will not disclose information about you to anyone except
as disclosed in this policy or as permitted by law. Examples of
this might include disclosures necessary to service your account
or prevent unauthorized transactions.
INFORMATION ABOUT FORMER CUSTOMERS
We have the same policy about disclosing information about former
customers as we do about current customers.
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