Privacy Policy First State Bank and Trust

Privacy Policy

Commitment to Your Security: Your safety and security is very important to us.

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 account balances and transaction history payment history, credit history, and credit scores 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 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 info	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	Yes	No
For our affiliates' everyday business purposes— information about your transactions and experiences	Yes	No
For our affiliates' everyday business purposes— information about your creditworthiness	No	No
For our affiliates to market to you:	No	No
For nonaffiliates to market to you:	No	No

Questions?	Call (217) 762-9431 or visit www.fsbcorp.com

Who we are
Who is providing this notice?	First State Bank and Trust

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. Your information is accessible only to employees who need the information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.
How does First State Bank and Trust collect my personal information?	We collect your personal information, for example, when you open an account or deposit money pay your bills or apply for a loan use your debit card 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 non financial companies. Our affiliates include First State Bancorp of Monticello Inc. and Eskridge Agency Inc.
Non-Affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. First State Bank and 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. Our joint marketing partners include but are not limited to: advertising agencies, credit card companies, merchant services companies, investment companies and check printing companies.