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Rev. 12/2012

FACTS

WHAT DOES FIRST STATE BANK OF ARCADIA DO WITH YOUR PERSONAL INFORMATION

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and Account balances
  • Account transactions and Credit history
  • Transaction history and Checking account information

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons First State Bank of Arcadia chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does First State Bank of Arcadia share?

Can you limit this sharing?

For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes — to offer our products and services to you

Yes

No

For joint marketing with other financial companies

No

We don't share

For our affiliates’ everyday business purposes — information about your transactions and experiences

Yes

No

For our affiliates’ business purposes — information about your credit worthiness

No

We don't share

For our affiliates to market to you

No

We don't share

For nonaffiliates to market to you

No

We don't share

Questions?

Call (863) 494-2220 or go to www.fsbarcadia.com

What we do

How does First State Bank of Arcadia protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

The bank maintains physical, electronic, and procedural safeguards that comply with federal regulations to guard nonpublic personal information.

How does First State Bank of Arcadia collect my personal information?

We collect your personal information, for example, when you

  • Apply for a loan or deposit money
  • Open an account or pay your bills
  • Show your driver's license

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

  • Sharing for affiliates' everyday business purposes - information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include financial companies with a common ownership with Crews Banking Corporation: Englewood Bank & Trust, Charlotte State Bank & Trust and Wauchula State Bank.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • First State Bank of Arcadia does not share with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • First State Bank of Arcadia doesn't jointly market.

Other important information