NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
This is the privacy notice of First State Bank and its affiliates.

From the time it was founded, First State Bank has always highly valued its customers’ privacy. We have protected your confidential information in many ways over the years, and will continue to do so using state-of-the-art measures. We never lose sight of the fact that our customers’ trust is our most valuable asset. You may be assured that our corporate focus is the protection of your privacy in your dealings with us. If you ever have any questions about the confidentiality of your information in our hands, please contact us. Every day, we appreciate your business. Thank you for banking with First State Bank .

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms you provide to us
• Information about your transactions with us, our affiliates, or others
• Information we receive from a consumer reporting agency
• Information we receive from third parties in verifying information you have provided to us

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as provided by law. We may disclose our transaction and experience-based information about our customers and former customers to our affiliates provided that the affiliate may not use the information for a marketing purpose.

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 or to process transactions to your accounts. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

What You Can Do To Protect Your Own Personal Information:
We also recommend that you take the following precautions to guard against the disclosure and unauthorized use of your account and personal information:

• Never provide personal information (including full Social Security numbers or account and credit card information) over the phone unless you have initiated the call and know with whom you are speaking or via e-mail
• Safeguard ATM, credit and debit cards
• Memorize personal identification numbers (PINs) and refrain from writing PINs, Social Security numbers or credit card numbers where they may easily be found
• Immediately change preassigned PINs to a personally memorized PIN
• Do not use easily identifiable numbers such as birth dates, addresses, phone numbers or Social Security numbers when choosing your PIN
• Store cancelled checks, new checks and account statements in a safe place
• Tear up or shred unused preapproved credit offers
• Report lost or stolen checks, credit and debit cards immediately

You may contact the following agencies if you wish to reduce the amount of advertising you receive from companies outside of First State Bank :
To have your name removed from all preapproved credit solicitations lists, you may call the credit
reporting industry Pre-screening Opt-Out number at 1-888-5OPTOUT (567-8688).
To have your phone number added to the National Do Not Call Registry, you may call 1-888-382-1222 or register on-line at www.fcc.gov/cgb/donotcall. While this may stop most calls, you may still receive calls from businesses where you are a customer.

In order to determine if you have been a victim of identity theft, you may obtain a free annual credit report online at www.annualcreditreport.com. Please contact any First State Bank loan officer for assistance in reviewing your personal credit report.