FIRST STATE BANK OF DEKALB COUNTY

Rev. 01/2011

FACTS

WHAT DOES FIRST STATE BANK OF DEKALB COUNTY 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?

  • Social Security number
  • Income
  • Payment History
  • Account Balances
  • Credit Scores
  • Credit History

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

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 256-845-6101 or go to ww.fsbal.com


Who We Are

Who is providing this notice?

First State Bank

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.

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
  • Pay your bills
  • Deposit money
  • Use your credit card 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  non-affiliates  to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies. 
First State Bank has no affiliates

Nonaffiliates

Companies not related by common ownership or control. They 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  non-affiliated  financial companies that together market financial products or services to you.
First State Bank doesn't jointly market.