Your trust is the cornerstone of our relationship. That is why we work so diligently to safeguard your privacy.  The information that you provide us is kept in the strictest of confidence.  We have no intentions of selling personal information about our customers to third-party businesses.  We are proud to make that commitment to you, because the trust of our customers is our highest priority.

The following Privacy Policy outlines how we use and protect First State Bank of Arcadia’s customer information. Please read it carefully.

When used in this Privacy Statement the words “we,” “our,” and “us” refer to First State Bank of Arcadia, the terms “you” and “your” refer to our customers and former customers. “Bank” refers to First State Bank of Arcadia.

For purposes of this statement, the following definitions apply:

• “Non-public personal information” means information about you that we collect in connection with a financial product or service provided to you.  Non-public personal information does not include information from public sources, such as telephone directories or governmental records.
• An “affiliate” is a company we own or control, a company that owns or controls us or a company controlled by the same company that owns or controls us.
• A “non-affiliated third party” is a person we do not employ or a company that is not affiliated with us, also known as a non-affiliated third party, or simply, an “other party”.
• “Opt out” means a choice you can make to not permit the sharing of certain information. (Because the Bank does not disclose any non-public personal information to third parties other than permitted by law there are no “opt out” instructions.)

Categories of non-public personal information that we collect about you from the following sources:

• Information you give us on applications or other forms;
• Information about your transactions with us or our affiliates;
• Information about your transactions with other parties;
• Information from a consumer reporting agency;
• Information we receive through our Customer Identification Program (CIP).

Categories of non-public personal information that we disclose:We do not disclose any non-public personal information about our customers or former customers to anyone, except as permitted or required by law or if one of the following conditions exist:

• You request disclosure of the information.
• The information is necessary to complete a transaction or perform a service at your request.
• The information is provided to a reputable credit bureau or similar information reporting agency.
• To prevent an unauthorized transaction.
• The disclosure is otherwise lawfully permitted or required.

                The categories of affiliates and non-affiliated third parties to whom the bank discloses non-public personal information:

The Bank is permitted to share non-public personal information about you among the Bank’s affiliates that are financial service providers concerning a customer’s account history and experiences. Under certain circumstances the Bank may disclose non-public personal information to “non-affiliated third parties” (third parties that are not a member of our corporate family).  For example the Bank may disclose non-public personal information to such third parties that assist the Bank in servicing your loan or account.  Examples of these third parties include, but are not limited to: check printing companies, insurance companies, securities broker/dealers, government entities in response to subpoenas, software and hardware servicing, data processing companies and credit bureaus.  Because the Bank does not disclose any non-public personal information to third parties  other than as permitted by law, there are no “opt out” instructions.

Bank Confidentiality and Security Procedures

Employee access to non-public personal information is limited to only those individuals who are actively engaged in providing a service or product you have requested.  The Bank maintains physical, electronic and procedural safeguards that comply with federal regulations to guard non-public personal information.

Important  -  About The Information We Collect When Opening An Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.  What this means for you: when you open an account we will ask for your name, physical address, date of birth, and other information that will allow us to identify you.  We may also ask to see your driver’s license or other identifying documents.

Information About Our Former Customers

We have the same policy about disclosing information about our former customers as we do about current customers.

Internet Privacy

The Bank has implemented technology to help ensure that any sensitive personal information you provide to us or any account information you receive online at the Bank’s website is done in a safe and secure manner. Additionally, we have implemented procedures to help ensure that only authorized employees of the Bank may view the information that you share with us. This is accomplished by limiting access to that information to only those employees having a legitimate business purpose for viewing or responding to your information or inquiries.

Unlike the personal information you provide us, the information we gather in the public area of our website is general information. This general information may come from “cookies.” Cookies are messages a web server (the server on which our website resides) gives to a browser (a user’s computer). The message contains information that is then stored on the customer’s computer and sent back to the server when the customer’s browser requests pages from the server. We use this information to determine which parts of our website are most useful and popular and how we can improve service to our customers.  Cookies can only be read by the server that sent the cookie to the browser and they cannot be used to retrieve any information from the customer’s computer that has not been given directly by the customer.  Computer viruses cannot be transmitted through cookies. Although customers can disallow cookies, certain services provided by the Bank require cookies for effective delivery. If the customer does allow cookies, we will at all times treat the information supplied through cookies with the same security and privacy protection as any other customer information it may receive.

E-Mail Security Information

Also included in the website is the capability to correspond with First State Bank of Arcadia by e-mail. This activity may involve sharing some personal information about you with the Bank. We do collect the e-mail addresses of those who correspond with us.

E-mail is not a secure transmission route. Therefore, we ask that you never send sensitive personal information like Social Security numbers, Account numbers, Credit Card numbers or any type of password via e-mail to First State Bank of Arcadia or anyone else. Please use the “Secured email form” on our website or call us using the telephone numbers provided when submitting this type of information.

If you decide to close your account(s) or become an inactive customer, the bank will continue to adhere to the privacy policies and practices described in this notice.

FirstState Bank of Arcadia highly values its customers’ privacy.  If you have any questions concerning confidentiality of information contained in Bank files, please call (863) 494-2220.

Summary

This is a notice only.  It describes  our privacy policy and the efforts we expend to protect your non-public personal information.  This notice does not require action on your part.

Tips to Protect Yourself

The Federal Trade Commission (FTC) encourages you to make sure your transactions — online and off — are secure and your personal information is protected.  The FTC offers these tips to help you manage your personal information wisely, and to help minimize its misuse.

• Before you reveal any personally identifying information, find out how it will be used and whether it will be shared with others.  Ask about company’s privacy policy:  Will you have a choice about the use of your information; can you choose to have it kept confidential?
• Read the privacy policy on any website directed to children.  Websites directed to children or that knowingly collect information from kids under 13 must post a notice of their information collection practices.
• Put passwords on all your accounts, including your credit card account, and your bank and phone accounts.  Avoid using easily available information — like your mother’s maiden name, your birth date, the last four digits of your SSN or your phone number — or obvious choices, like a series of consecutive numbers or your hometown football team.
• Minimize the identification information and the number of cards you carry to what you’ll actually need.  Don’t put all your identifying information in one holder in your purse, briefcase or backpack.
• Keep items with personal information in a safe place. When you discard receipts, copies of credit applications, insurance forms, physician statements, bank checks and statements, expired charge cards, credit offers you get in the mail and mailing labels from magazines, tear or shred them.  That will help thwart any identity thief who may pick through your trash or recycling bins to capture your personal information.
• Consider ordering a copy of your credit report from each of the three major credit reporting agencies (CRAs) every year.  Make sure it’s accurate and includes only those activities you’ve authorized. CRAs can’t charge you more than $9.00 for a copy and in some states, your credit report is free.
• Use a secure browser when shopping online to guard the security of your transactions.  When submitting your purchase information, look for the “lock” icon on the browser’s status bar to be sure your information is secure during transmission.

For More Information:   To learn more about privacy issues and how they affect your life and the decisions you may make in the marketplace, visit www.consumer.gov/ncpw.   The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, (http://www.consumer.gov/sentinel) a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

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