PRIVACY POLICY

First Security Bank is committed to the belief that maintaining the confidentiality of our customers’ information is the core of our relationship with our customers. We promise that we will protect your confidential information as set forth in this Privacy Policy. Our Board of Directors have adopted this Privacy Policy so that you will understand what information we collect and how we use it.

We collect nonpublic personal information about you from the following sources: information we receive from you on applications or other forms; information about your transactions with us, or others, and; information we receive from a third party, such as a consumer reporting agency. “Nonpublic personal information” is nonpublic information about you that we may obtain in connection with providing a financial product or service to you. This could include information such as account balances, payment history and overdraft history.

We are permitted by law to disclose nonpublic personal information about you in certain circumstances to nonaffiliated third parties. We do not sell or share customer information to unrelated third parties for the third parties to use for their own purposes. We do share information with companies that print checks for us, mail customer statements or letters or provide data processing services. These companies are acting on our behalf when they provide these services and are obligated by contract to maintain the information they receive in a confidential manner. They are not authorized to use the information for any other purposes.

We also provide information:

• when you authorize us to release information;
• to credit reporting agencies;
• to other parties when it is necessary or helpful in completing a transaction you initiate, including other financial institutions and networks involved in processing your transactions;
• to comply with a law, regulation. court order or subpoena;
• to verify the existence of your account and general information about the condition of your account for a merchant or other financial institution;
• in response to an inquiry about whether a check you have written on an account will clear;
• to local, state and federal authorities if we believe a crime may have been committed involving your account;
• to our independent auditors, consultants or attorneys and to agencies that regulate us.

We understand that you expect the personal information you have entrusted to us to be handled with great care. We do not disclose any nonpublic personal information about our customers to anyone, except as necessary to provide services or as otherwise permitted or required by law. 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. Our employees are educated about the importance of maintaining confidentiality and customer privacy. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

If you have any questions regarding this policy, please contact the bank.