Privacy Policy

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Privacy Policy


Rev. October 2013

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
  • Account balances
  • Payment history
  • Transaction history
  • Credit history
  • Account transactions
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 info 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
No DO NOT SHARE
For joint marketing with other financial companies: No DO NOT SHARE
For our affiliates' everyday business purposes-
information about your transactions and experiences
No DO NOT SHARE
For our affiliates' everyday business purposes-
information about your creditworthiness
No DO NOT SHARE
For non-affiliates to market to you: No DO NOT SHARE
Questions? Call 806-659-5565 or go to www.fsbspearman.com

Privacy Model Disclosure
VMP® Bankers Systems
Walters Kluwer Financial Services ©2010

To reorder form: 1-800-552-9410 2012.1/24433874389-010 Custom

PRIV-MODEL 8/1/2010


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 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 State Bank collect my personal information? We collect your personal information, for example, when you:
  • Open an account
  • Apply for a loan
  • Make deposits or withdrawals from your account
  • Give us your contact information
  • Make a wire transfer
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
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.
  • First State Bank does not share with our affiliate.
Non Affiliates Companies not related by common ownership or control. These can be financial and non-financial companies.
  • First State Bank does not share with non-affiliates 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.
Other Important Information: For Texas Customers
First State Bank is chartered, licensed or registered under the laws of the State of Texas and, by state law, is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against First State Bank should contact the Texas Department of Banking through one of the means indicated below:
In person; or by U.S. Mail:
Texas Department of Banking
2601 North Lamar Boulevard
Suite 300
Austin, Texas 78705-4294
By Phone:
P: 877-276-5554
F: 512-475-1313
or Online:
Email Consumer Complaints
www.dob.texas.gov