|
Privacy Policy
Rev. 11/2010
FACTS: WHAT DOES 1ST BANK & TRUST
DO WITH
YOUR PERSONAL INFORMATION
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
Checking Account Information
-
Account Balances and Payment
History
-
Credit History and Account
Transactions
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 customer's 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 1st Bank & Trust chooses to share; and
whether you can limit this sharing.
|
Reasons we can share your personal
information |
Does 1st Bank & Trust 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 |
NO |
We don't
share |
|
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 |
|
Who
we are |
|
Who is
providing this notice? |
1st Bank &
Trust |
|
What
we do |
|
How does1st
BANK & TRUST 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 1st
BANK & TRUST collect my personal
information? |
We collect
your personal information, for example, when
you
- Open
an Account or Provide Account
Information
- Apply
for a Loan or Use Your Credit or Debit
Card
- Make
Deposits or Withdrawals from Your
Account
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. |
|
Definitions |
|
Affiliates |
Companies
related by common ownership or control. They
can be financial and nonfinancial companies.
- 1st
Bank & Trust does not share with our
affiliates.
|
|
Nonaffiliates |
Companies not
related by common ownership or control. They
can be financial and nonfinancial companies.
- 1st
Bank & Trust 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.
- 1st
Bank & Trust doesn't jointly market.
|
|
