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Privacy Policy

What Does First State Bank Do With Your Personal Information?

Rev. Date 03/2022

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 income Account balances and payment 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 chooses to share, and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does First State Bank 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	NO	We don't share
For our affiliates’ everyday business purposes – information about your creditworthiness	NO	We don't share
For nonaffiliates to market to you	NO	We don't share

What We Do
How does First State Bank protect my 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. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you.
How does First State Bank collect my information?	We collect your personal information, for example, when you Open an account or use your credit or debit card Apply for a loan or make a wire transfer Make deposits or withdrawals from your account or show your driver's license.
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 non-affiliates 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 non-financial companies. First State Bank does not share with our affiliates.
Non‑Affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Non-affiliates we share with can include direct marketing companies.
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. First State Bank does not jointly market.

Other Important Information
In accordance with Iowa law, First State Bank will not share information we collect about Iowa residents with companies outside of First State Bank, except as permitted by law, such as legal processes or as required to service your account. We will limit sharing within our company to the extent required by applicable Iowa law.