What does First State Community Bank (FSCB) do with your personal information?

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.

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
• Payment history
• Income
• Credit history
• Account balances
• Checking account information

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 FSCB chooses to share; and whether you can limit this sharing.

To Limit Our Sharing

• Call Toll-free 1-877-757-1710 and give us your full name, the last four digits of your Social Security number, and your date of birth (our menu will prompt you through your choices), or
• Write to us attention privacy officer at First State Bancshares, Inc., 201 East Columbia St, Farmington, MO 63640, providing us your full name, the last four digits of your Social Security number, and your date of birth
  

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we provided this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Call toll-free 1-877-757-1710 or go to www.fscb.com for a complete listing of branch phone numbers.

Who is providing this notice?

First State Community Bank

What We Do

How does FSCB protect my personal 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.

How does FSCB collect my personal information?
We collect your personal information, for example, when you 

• Open an account
• Apply for a loan
• Deposit money
• Use your credit or debit card
• Pay your bills

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

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 nonaffiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.
Our affiliates include:

• Financial Companies such as: First State Insurance Agency and First State Financial Management.
• Nonfinancial companies in which we will not share information.

Nonaffiliates


Companies not related by common ownership or control. They can be financial and non-financial companies.


• FSCB does not share with nonaffiliates so they can market to you.

Joint Marketing


A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Our joint marketing partners include Credit Card Programs and our Accidental
Death & Dismemberment (AD&D) Partner.