FACTS

WHAT DOES FIRST STATE BANK AND 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 
• Credit history
• Account balances 
• Overdraft history 
• Payment history 
• Checking account information 

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

Reasons we can share your personal information

Does First State Bank and 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

Yes

No

For joint marketing with other financial companies

No

For our affiliates' everyday business purposes -
information about your transactions and experiences

Yes

For our affiliates' everyday business purposes -
information about your creditworthiness

No

We don't share

For affiliates to market to you

No

We don't share

For nonaffiliates to market to you

No

We don't share

Questions?

Call 651.439.5195 or email us at info@fsbt.com

What We Do

How does First State Bank and
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.

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does First State Bank and
Trust collect my personal
information?

We collect your personal information, for example, when you

• Open an account or loan
  
• Make deposits to account
• Make withdrawals from accounts  
  
• Give us your contact information 
  
• Make a wire transfer 
  

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 
  

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.
• Our affiliates include non-financial companies, such as Valley Agencies.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.
• Nonaffiliates we share with include direct marketing companies.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
• Our joint marketing partners include, financial services companies and insurance companies.