At First State Bank, we value each and every customer. You have entrusted us not only with your finances, but also with your personal information. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers' personal information, as well as that of all visitors to our Website. To protect and maintain the confidentiality of the information you've shared with us, we have enacted the following Privacy Principles. This is our pledge: We recognize your right to privacy. First State Bank recognizes your right to expect your personal financial information to remain private and secure. We will maintain standards to ensure that your information remains private and secure at all times. We value your trust and handle your information with care. How we use, collect and retain information about you. First State Bank holds its customer information to the same degree of confidentiality as other financial records. Therefore, we keep completely confidential any information our customers may provide us, no matter what the source of that information except as otherwise stated in this statement. First State Bank may collect, retain and use personal information about customers (for example, we will obtain a credit report for an auto loan), but only as we believe is reasonably useful in administering our business and to provide products, services and other opportunities to our customers. Visitors to our bank Website remain anonymous unless you elect to provide us with personal information via E-Mail, our guest book, or by submitting an application for one of our services or products. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations. If you are browsing our Website, we may use standard software to collect non-identifying information about our visitors, such as: Date and time our site was accessed IP address (A numeric address given to servers connected to the Internet) Web browser used City, State, and Country The bank uses this information to create summary statistics and to determine the level of interest in information available on our site. Some areas of our Website may use a "cookie" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before. The cookie is used only for administrative purposes and does not contain any sensitive information such as your password, account number, etc. We will maintain accurate information about you. First State Bank has established procedures to ensure that your financial information is accurate and up to date. If you ever find that your account information is incomplete, inaccurate or not current, please call or write to us at the telephone number or address listed on your account statement. We will correct any erroneous information as quickly as possible. We will limit employee access to your personal information. At First State Bank, employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information and on these Privacy Principles. Because of the importance of these issues, all First State Bank employees are responsible for maintaining the confidentiality of customer information and employees who violate these Privacy Principles will be subject to disciplinary measures. We will maintain a security program to protect your information. We safeguard information according to established security standards and procedures, and we continually assess new technology for protecting information. Our employees are trained to understand and comply with these information principles. Restrictions on disclosing customer information. Customer information will only be disclosed to authorize account holders, and only after identification of that account holder has been verified. Verifying information may include social security number, date of birth, place of birth, mother's maiden name, signature, and/or other identifying information. If the information request is made over the telephone and we are uncertain about the identity of the person requesting the information, we will ask that the request be made in writing or in person. First State Bank will not share personal or financial customer information with unaffiliated third parties except when legally required (in order to comply with federal or state laws/regulations, and government or court orders) or when legally permitted to serve the customer's interests (such as disclosure to reputable credit reporting agencies). Information will only be disclosed to third parties under the following conditions: Where it is necessary to complete a transaction initiated by the customer. In order to report the existence and condition of an account to companies such as reputable credit bureaus or merchants. In order to comply with government or court orders. If we have the written permission of the account holder. We will maintain your privacy in business relationships with third parties. First State Bank will not share and/or sell individual customer information to any unaffiliated third party for marketing purposes. First State Bank will provide certain customer information to unaffiliated third party companies that we hire to provide us operational support. These unaffiliated third party companies provide services that allow us to complete transactions, such as real estate loans. Examples of these services include, but are not limited to, appraisals, title searches, flood certifications, credit reports and check orders. When First State Bank conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personal identifiable customer information provided to them. Disclosing our privacy commitment to you. First State Bank is committed to ensuring the privacy of its customers' personal information. If you have any questions about how we protect your confidential information, please contact us by calling or by using the E-Mail reply function located on our web page. These customer privacy principles apply to all First State Bank customers, and we reserve the right to change them at any time. November, 2000
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