At First State Bank, your privacy and security are of utmost importance to us.

What Information We Collect

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

• Information we receive from you on applications or other forms;
• Information from your transactions with us, our affiliates, or others; and
• Information we receive from a consumer-reporting agency.

What Information We Disclose

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

Service Providers

We may disclose the following information to companies that perform marketing services on our behalf with whom we have a service provider agreement.

• Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income;
• Information about your transactions with us, our affiliates, or others, such as your account balance and payment history, and credit card usage; and
• Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.
  

Confidentiality and Security

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

12/08/2005