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Privacy Policy
Effective 10/17/2002
At The First State Bank, our mission is to meet the desires of our customers. As financial services professionals entrusted with sensitive financial information, we respect the privacy of our customers and are committed to treating customer information responsibly. Our Customer Information Privacy Principles serve as standards for all The First State Bank employees for collection, use, retention, and security of individual customer information.
We recognize your right to privacy at The First State Bank. We recognize that you have a right to expect your personal financial information to remain private and secure. We will maintain standards to ensure that your information is private and secure at all times.
Information about consumers is accumulated from a variety of sources. Some information is provided to The First State Bank directly by customers themselves. Other data is developed by The First State Bank as a function of providing a product or service to a customer. Still other information is obtained from outside sources. We will limit the use and collection of information about our customers to that which is necessary to administer our business, provide superior service, and offer opportunities that we think will be of interest to customers. This means that we will use information to help identify additional products or services, which we believe customers, might want to know about. We will use this information only in accordance with the principles set out in this Policy.
The bank does not treat information about former customers any differently than it does current customers. Specifically, the bank does not release nonpublic personal information about former customers to outside third parties, except as permitted by law.
We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.
At The 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 The First State Bank employees are responsible for maintaining the confidentiality of customer information and employees who violate our Privacy Policy will be subject to disciplinary measures.
The First State Bank is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.
It is the bank's policy not to reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence or business matters, unless 1) the information is provided to help complete a customer-initiated transaction; 2) the customer requests or permits it; 3) the disclosure is required by or permitted by law (e.g., subpoena, investigation of fraudulent activity, request by regulator, etc.); or 4) the customer has been informed about the possibility of disclosure for marketing or similar purposes through a prior communication and given the opportunity to decline (i.e., "opt-out").
When the Bank conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.
The First State Bank recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed these Privacy Principles, which are made readily available to our customers. Customers who have questions about our Privacy Policy or have a question about the privacy of their customer information should call The First State Bank, Hallsville, Texas at (903) 660-2181 Ext. 125 or e-mail us at ( yourbank@fsbweb.corn).
The First State Bank is chartered 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.
The First State Bank also engages in the business of selling checks as an agent for a company licensed under the laws of the State of Texas and subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint concerning sale of checks activities should contact the Texas Department of Banking.
Consumers may file complaints with the Texas Department of Banking by contacting the Department through one of the means indicated below:
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