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PrivacyPolicy

NOTICE OF YOUR

FINANCIAL PRIVACY RIGHTS 

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

  • All of our consumer customers who have a continuing relationship with us, such as: 
    • Deposit account 
    • Loan account 
    • Safe deposit box 
    • Self-directed Individual Retirement Account where we act ascustodian or trustee 
  • All persons (individuals) who do not have a continuing relationship with us but who may use a financial product or service we provide in isolated transactions.  This includes, for example, someone who 
    • Purchases traveler’s checks or money orders 
    • Applies for a loan that does not get completed. 
  • All IRA accounts for which we act as custodian 

We will tell you the sources for nonpublic personal information we collect on our customers.  We will tell you what measures we take to secure that information. 

We first define some terms. 

     We, our, and us means First State Bank of the South. 

      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. 

      An affiliate is a company we own or control, a company that owns or

      controls us, and 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 company that is not an affiliate of ours. 

THE INFORMATION THAT WE COLLECT 

We 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 
  • Information about your transactions with nonaffiliated third parties 
  • Information from a consumer reporting agency 

We do not disclose any nonpublic personal information about you to anyone, except as authorized by law. 

THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION 

We restrict access to nonpublic personal 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 that comply with federal regulations to guard your nonpublic personal information. 

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES 

Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS

We do not disclose nonpublic personal information about former customers. 

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