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Privacy Policy

Rev. Date 3/2023

FACTS	What does First State Bank and Trust Co. Inc. 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 account balances Payment history and credit history Checking account information and transaction or loss history 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 Company, Inc. chooses to share; and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does First State Bank and Trust Co. 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	We don't share
For non-affiliates to market to you	No	We don't share

WhO WE ARE
Who is providing notice? First State Bank and Trust Co., Inc.

What We Do
How does First State Bank and Trust Co. 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 First State Bank and Trust Co. collect my personal information?	We collect your personal information, for example, when you Apply for a loan or open an account Show your driver’s license or show your government-issued ID 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 non-affiliates 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. Our affiliate includes a company with a common corporate identity. Southeast Missouri Title Company, LLC. is an affiliate of First State Bank and Trust Company, Inc
Non‑Affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. First State Bank and Trust Company, Inc. does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you Our joint marketing partners include insurance companies.

Questions? Call (573) 333-1700