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At
First State Bank, the basis of each customer relationship, many of
which span generations, is trust. Our customers have chosen to do
business with First State Bank, and we are obligated to honor that
relationship with great care, beginning with the information they
have chosen to share with us. We believe that our customers' privacy
should not be compromised. At the same time, we want to offer our
customers an array of financial products and services they need to
accomplish their financial goals. We believe we can do both through
the privacy policy outlined below. |
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Recognition of a Customer's Expectation of Privacy
At First State Bank, we believe the confidentiality and
protection of customer information is one of our fundamental
responsibilities. While information is critical to providing
quality service, we recognize that one of our most important
assets is our customers' trust. Thus, the safekeeping of customer
information is a priority for First State Bank.
Customer Benefits of Bank's Information Management Practices
Information about consumers is accumulated from a variety of sources. Some information is provided to First State Bank directly by customers themselves. Our data is developed by 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 us identify and mitigate potential risks or loss to First State Bank. 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.
Maintenance of Accurate Information
We continually strive to maintain complete, accurate and current information about our customers and their accounts, in keeping with reasonable commercial standards. We also pledge to respond to requests to correct inaccurate information in a timely manner.
Limitations on Employee Access to Information
Each First State Bank employee is required to follow our banks' "Financial Privacy Code of Conduct," which states that all customer information is considered private and privileged and is to be used solely for the purpose of providing our customers with the finest service available.
Protection of Information via Established Security Procedures
First State Bank is committed to the security of our customers
financial and personal information. All of our operational and
data processing systems are in a secure environment that protects
account information from being accessed by third parties. We
maintain and grant access to customer information only in accordance
with our internal security standards.
Restrictions on the Disclosure of Account Information
First State Bank will not reveal specific information about
customer accounts or other personally identifiable data to parties
outside our affiliated banks and companies for their independent
use unless: 1) The customer requests or authorizes it; 2) The
information is used to help complete a transaction initiated
by the customer; 3) The information is provided to a reputable
credit bureau or similar information reporting agency; or 4)
The disclosure otherwise is lawfully permitted or required (e.g.
subpoena, investigation of fraudulent activity, request by regulator,
etc.). We do not provide account or personal information to
non-bank companies for the purpose of independent telemarketing
of any non-financial products or services of those companies.
Providing Privacy Information to Customers and Responding to Inquires
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 these Privacy Principles or have a question
about the privacy of their customer information should call
the First State Bank at 1-618-273-2271 or e-mail us at customerservice@fsbeldorado.com.
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