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FACTS
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WHAT DOES
FIRST STATE BANK DO WITH YOUR PERSONAL INFORMATION?
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Why?
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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.
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What?
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The types of personal information we collect and share depend on the product or service you
have with us. This information can include:
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• Social Security number
• Account balances
• Payment history |
• Transaction history
• Transaction or loss history
• Credit history | |
When you are no longer our customer, we continue to share your
information as described in this notice.
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How?
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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.
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Reasons we can share your personal information |
Does
First State Bank share? |
Can you limit this sharing? |
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For our everyday business purposes
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such as to process your transactions, maintain your account(s), respond to court orders and
legal investigations, or report to credit bureaus
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Yes |
No
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For our marketing purposes
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to offer our products and services to you
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No |
We
don't share |
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For joint marketing with other financial companies
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No |
We
don't share |
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For our affiliates' everyday business purposes
- information about your transactions and experiences
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No |
We
don't share
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For our affiliates' everyday business purposes
- information about your
creditworthiness
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No |
We
don't share
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For nonaffiliates to market to you
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No |
We
don't share
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Questions?
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Call
903-834-3161 or go to www.fsboverton.com
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What We Do
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How does
First State Bank protect my personal
information?
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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.
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How does First State Bank collect
my personal information?
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We collect your personal information, for example, when you
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• Open an account
• Apply for a loan
• Give us your income information |
• Provide employment information
• Give us your employment history
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We also collect your personal information from others,
such as credit bureaus, affiliates,
or other companies.
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Why can't I limit all sharing?
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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.
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Definitions
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Affiliates
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Companies related by common ownership or control. They can be financial and
non-financial companies.
• First State Bank does not share with our affiliates.
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Nonaffiliates
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Companies not related by common ownership or control. They can be financial
and non-financial companies.
• First State Bank does not share with nonaffiliates so they can market to
you.
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Joint Marketing
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A formal agreement between nonaffiliated financial companies that together
market financial products or services to you.
• First State Bank doesn't jointly market. |
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Other Important Information
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For Texas Customers. The 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
the First State Bank should contact the Texas Department of Banking
through one of the means indicated below: In person, or by U.S. Mail:
2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294;
Telephone No. (877) 276-5554; Fax No. (512) 475-1313; E-mail:
consumer.complaints@dob.texas.gov, Website: www.dob.texas.gov. |
Privacy Model Disclosure
VMP® Bankers Systems™
Wolters Kluwer Financial Services © 2010 |
| PRIV-MODEL 8/1/2010 | 2011.1/2043
3022520-010 |
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