First State Bank

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean First State Bank of Warren.

This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers:

Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):

Deposit Account

Loan Account

Safe Deposit Box

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We will tell you what information we share about you with other entities. We will explain what your rights are, and how you can exercise them. If you share an account relationship with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you is aware of our policy and your options.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as a nonaffiliated third party, or simply, an “other party.”

Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

Information that you give us on applications or other forms.
Information about your transactions with us.
Information about your transactions with other with other parties.
Information from a consumer reporting agency.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

YOUR INFORMATION AND OUR AFFILIATES

We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information:
Transaction and experience information from our account records:

Information about your transactions and experience with us, such as:

Name

Address

Account balances

Account activity

Types of accounts

Parties to the transaction

Payment history

Deposit history

Federal law allows us to disclose the information listed above from our affiliates. You do not have a right to opt out of the disclosure of this information.

Other information not taken from transactions and experience:

Information you give us on an application or other forms, such as:

Social Security Number

Assets

Income

You may opt out of the disclosure information listed above.

Types of Affiliates

We may disclose information about you to the following types of affiliates:

Financial service providers, such as holding companies

Limitations on Disclosure

Here are the limits we impose on the use of information disclosed to affiliates:

We only allow direct mail solicitations.
We do not allow telephone solicitations.

YOUR INFORMATION AND OTHER PARTIES

In addition to our policy with respect to affiliates, we may disclose information to other parties. Here are the kinds of information we disclose to these other parties:

Information you give us on an application or other forms, such as:

Name

Address

Social Security Number

Assets

Income

Information about your transactions with us, such as:

Account balances

Account activity

Types of accounts

Payment history

Deposit history

You may opt out of the disclosure of the information listed above.

Types of Other Parties

We may disclose information about you to the following types of other parties:

Financial service providers, such as:

Mortgage lending
Consumer banking
Retail banking
Business offering non-financial products or services, such as:
Retailers

We may also disclose information about you to other parties as permitted by law.

INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

YOU HAVE THE RIGHT TO CHOOSE

In this notice, we have explained our policy about the disclosure of certain information.

Affiliates and Other Parties . If you prefer that we do not disclose the information to our affiliates or other parties, as described above, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law).

Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us. Remember, though, an opt out instruction by one party is effective for all information we have collected about all joint parties. If one of you chooses to opt out, no information about any of the joint parties will be shared.

If you previously sent us an opt out, then we will continue to apply your instruction to the information you asked us not to share. You do not need return in another opt out form.

If you wish to opt out of the disclosure of your information, a form will be provided to you upon opening an account.

THESE TERMS GOVERN THE USE OF THIS WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THE SITE. IF YOU DO NOT AGREE WITH THESE TERMS DO NOT ACCESS THE WEBSITE. BY ACCESSING THE WEBSITE OR ANY OF ITS PAGES YOU AGREE TO BE BOUND BY THESE TERMS OF USE.

This website has been established by the Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank’s agreements and disclosures, the agreements and disclosures will control.

From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.

The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.

The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.

This agreement and the use of this website are governed by the laws of the State of Arkansas.

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	NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS We, our, and us, when used in this notice, mean First State Bank of Warren. This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers: Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n): Deposit Account Loan Account Safe Deposit Box We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information. We will tell you what information we share about you with other entities. We will explain what your rights are, and how you can exercise them. If you share an account relationship with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you is aware of our policy and your options. We first define some terms. Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section. An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control. A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as a nonaffiliated third party, or simply, an “other party.” Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice. THE INFORMATION WE COLLECT We collect information about you from the following sources: Information that you give us on applications or other forms. Information about your transactions with us. Information about your transactions with other with other parties. Information from a consumer reporting agency. THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information. YOUR INFORMATION AND OUR AFFILIATES We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information: Transaction and experience information from our account records: Information about your transactions and experience with us, such as: Name Address Account balances Account activity Types of accounts Parties to the transaction Payment history Deposit history Federal law allows us to disclose the information listed above from our affiliates. You do not have a right to opt out of the disclosure of this information. Other information not taken from transactions and experience: Information you give us on an application or other forms, such as: Social Security Number Assets Income You may opt out of the disclosure information listed above. Types of Affiliates We may disclose information about you to the following types of affiliates: Financial service providers, such as holding companies Limitations on Disclosure Here are the limits we impose on the use of information disclosed to affiliates: We only allow direct mail solicitations. We do not allow telephone solicitations. YOUR INFORMATION AND OTHER PARTIES In addition to our policy with respect to affiliates, we may disclose information to other parties. Here are the kinds of information we disclose to these other parties: Information you give us on an application or other forms, such as: Name Address Social Security Number Assets Income Information about your transactions with us, such as: Account balances Account activity Types of accounts Payment history Deposit history You may opt out of the disclosure of the information listed above. Types of Other Parties We may disclose information about you to the following types of other parties: Financial service providers, such as: Mortgage lending Consumer banking Retail banking Business offering non-financial products or services, such as: Retailers We may also disclose information about you to other parties as permitted by law. INFORMATION ABOUT FORMER CUSTOMERS We do not disclose information about former customers, except as permitted by law. YOU HAVE THE RIGHT TO CHOOSE In this notice, we have explained our policy about the disclosure of certain information. Affiliates and Other Parties . If you prefer that we do not disclose the information to our affiliates or other parties, as described above, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law). Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us. Remember, though, an opt out instruction by one party is effective for all information we have collected about all joint parties. If one of you chooses to opt out, no information about any of the joint parties will be shared. If you previously sent us an opt out, then we will continue to apply your instruction to the information you asked us not to share. You do not need return in another opt out form. If you wish to opt out of the disclosure of your information, a form will be provided to you upon opening an account. Terms of Use for First State Bank's Web Site THESE TERMS GOVERN THE USE OF THIS WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THE SITE. IF YOU DO NOT AGREE WITH THESE TERMS DO NOT ACCESS THE WEBSITE. BY ACCESSING THE WEBSITE OR ANY OF ITS PAGES YOU AGREE TO BE BOUND BY THESE TERMS OF USE. This website has been established by the Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank’s agreements and disclosures, the agreements and disclosures will control. From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page. The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law. The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage. This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time. This agreement and the use of this website are governed by the laws of the State of Arkansas.






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