Privacy Statement

Protecting your privacy is important to First State Bank, our employees, and our affiliates.  We want you to understand what information we collect and how we use it.  In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information.  The following policy serves as a standard for all First State Bank employees for collection, use, retention, and security of nonpublic personal information. 

What Information We Collect

We may collect “nonpublic personal information” about you from the following sources:

• Information we receive from you on applications or other loan and account forms

• Information about your transactions with us or others

• Information we receive from a consumer reporting agency

We restrict access to nonpublic personal information about you that we obtain in connection with providing a financial product or service to you.  We maintain physical, electronic, and procedural safeguards that comply with Federal standards to guard your nonpublic personal information.  For example, non public personal information includes information regarding your account balance, payment history, and overdraft history.

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

What Information We Collect on this Web Site

Visitors to this bank Web site remain anonymous.  We do not collect identifying information about visitors to our site.  We may collect non-identifying information about our visitors, such as:

• Date and time our site was accessed

•  IP Address (A numeric address given to servers connected to the Internet)

• Web browser used

• City, State and Country

The bank uses this information to create summary statistics and to determine the level of interest in information available on our site.  Visitors may elect to provide us with personal information.  This information is used internally, as appropriate, to handle the sender’s request.  It is not disseminated or sold to other organizations. 

What Information We Disclose

We are permitted under law to disclose nonpublic information about you to other third parties in certain circumstances.  For example, we may disclose nonpublic personal information about you 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 do not disclose any nonpublic personal information about you to anyone, except as permitted by law. 

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

Our Security Procedures

We also take steps to safeguard customer information.  We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you.  Employees who violate these standards will be subject to disciplinary measures.  We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. 

We reserve the right to change this policy at any time by posting a new privacy policy. 

PRIVACY NOTICE

The First State Bank is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against the First State Bank should contact the Texas Department of Banking.