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Notice of Your Financial Privacy Rights

 

First Trust & Savings Bank is dedicated to protecting your privacy and providing you with quality products and services. That is why we are providing you – our customer – with this privacy notice. Also, we will share the sources for nonpublic personal information we collect and the lengths we take to secure this information.

Key terms

A customer is a consumer who has a customer relationship with our financial institution.

Customer relationship means a continuing relationship between a consumer and our financial institution under which we provide one or more financial products or services to the consumer that are to be used primarily for personal, family, or household purposes. Services may include, but are not limited to deposit accounts, loan accounts, safe deposit box, home mortgage brokerage and insurance products.

Nonpublic personal information is 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, or 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.

What type of information do we collect?

We collect information from the following sources:

  • Information we receive from you on applications or other forms;
  • Information about your transactions with us, our affiliates, or others; and
  • Information we receive from a consumer-reporting agency.

Confidentiality and security policy

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 standards to guard your nonpublic personal information.

Joint marketing agreement

We may disclose all the information we collect, as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Former customers

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