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Privacy Policy

FactsWhat Does First State Bank a division of Shelby County State Bank 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 income
  • Account balances and 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 SCSB chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes SCSB 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 bureausYESNO
For our marketing purposes to offer our products and services to youYESNO
For our joint marketing with other financial companiesNOWe don't share
For our affiliates' everyday business purposes information about your transactions and experiencesYESNO
For our affiliates' everyday business purposes information about your creditworthinessNoWe don't share
For nonaffiliates to market to youNoWe don't share
What We DoWhy We Do It
How does SCSB 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. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does SCSB collect my personal information?We collect your personal information, for example, when you:
  • Open an account or give us your income information
  • Pay your bills or provide employment information
  • Provide account information

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 nonfinancial companies.

  • Our affiliates may include financial institutions, insurance agencies, title companies, mortgage companies, securities broker-dealers and trust companies.
Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • SCSB does not share with non-affiliates so they can market to you.
Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • SCSB does not jointly market.
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