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FIRST STATE BANK
ONLINE BANKING PRIVACY POLICY

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
  • Checking Account information

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 Yes No
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 940-644-2218 or go to www.fsbwise.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.

We also 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 and account or Apply for a loan
  • Deposit money or Use your debit card
  • Pay your bills

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.
  • Chico Bancorp, Inc.
Non Affiliates 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 does NOT share for joint marketing purposes.
Other Important Information

For Texas Customer: 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

Revised 10/2013

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