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Revised May 2020
FACTS

WHAT DOES FIRST STATE 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 income
  • Account balances and transaction 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 First State Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does First State Bank 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		 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		 Yes No
For our affiliates’ everyday business purposes-
information about your creditworthiness		 No We don't share
For our affiliates to market to you Yes Yes
For non-affiliates to market to you No We don't share
To limit our sharing

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.
Questions?

Call 815-538-2265 or toll free 800-362-9623 or go to http://www.firststatebank.biz
What we do

How does First State Bank 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 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 First State Bank collect my personal information?

We collect your personal information, for example, when you

  • Open an account or apply for a loan
  • Pay your bills or make deposits or withdrawals from your account
  • Use your credit or 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 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. See below for more on your rights under state law.

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 nonfinancial companies.

  • Our affiliates include financial companies, such as Tri-County Financial Group, Inc., First State Insurance, and First State Mortgage.

Nonaffiliates

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

  • First State Bank does not share with nonaffiliates so they can market to you.

Joint Marketing

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

  • First State Bank does not jointly market financial products or services to you.
Other important information

State Privacy Laws – We will comply with state privacy laws to the extent they apply.