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PRIVACY POLICY
First Security Bank & Trust has a responsibility to protect our customers’ private information. The success of a financial institution depends on the level of trust and confidence it enjoys with its depositors, borrowers, and shareholders. In continuing our commitment to provide quality service to our customers, First Security Bank & Trust has adopted the following privacy policy.
Information We Collect About You
We may collect nonpublic personal information about you from the following sources:
• Information we receive from you on applications or other forms
• Information about your transactions with us, our affiliates, or others
• Information we receive from a consumer reporting agency
“Nonpublic personal information” is nonpublic information that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history.
No Disclosure Outside of Exceptions
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.
We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus.
We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements.
If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.
Confidentiality and Security
We restrict access to nonpublic personal information about you to those employees with a business reason to know in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
Our Maintenance of Accurate Information
We have implemented procedures to help assure that our current and former customers’ financial information is accurate, current and complete. In addition to procedures required by federal or state law, we also have procedures for responding to requests to correct inaccurate information in a timely manner, and to update information and remove old information. Customers should notify us immediately at First Security Bank & Trust, 809 Clark Street, Charles City, IA 50616 if they receive information regarding their relationship with us that they believe to be inaccurate.
Our Internet Web Site
Visitors to the First Security Bank & Trust Web site remain anonymous. We do not collect personal identifying information about site users, unless you choose to provide such information to us to sign up for On-line Banking or Bill Pay. Standard software is used to collect and store ONLY the following non-identifying information about our visitors:
• The name of the domain from which you access the Internet
• The date and time you access our site
• And the Internet address of the Web site from which you linked directly to our site
If you submit a request for information, it will be transmitted over a secure connection using encryption. Visitors may elect to provide us with personal information via e-mail. This information is used internally, as appropriate, to handle the sender’s request or concern. It is not disseminated or sold to other organizations. Visitors should, however, keep in mind that e-mail is not secure against interception. Visitors can call us directly at 800-272-0159 or 641-228-2343 if requests or statements include sensitive or private information, like your account numbers, credit card numbers or social security number.
Protecting Children
First Security Bank & Trust does not collect, use or disclose personal information from or about children on the Internet.
If you have questions or concerns regarding this privacy policy, please contact
First Security Bank & Trust at 800-272-0159 or 641-228-2343.
June 2007
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