FACTS WHAT DOES FIRSTBANK 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

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 FirstBank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does FirstBank 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 Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliated to market to you No We don’t share

To limit our sharing:

  • Call 1-888-988-1906 to notify us of your choice.
  • Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
  • However, you can contact us at any time to limit our sharing.

Questions?

Call 1-888-988-1906 or go to www.firstbankonline.com

Who we are  
Who is providing this notice? Financial institutions within the FirstBank, FB Bank, Farmers State Bank and family of companies that provide lending, investment, and insurance products and services.
What We Do  
How does FirstBank 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 FirstBank collect my personal information? We collect your personal information, for example, when you

  • open an account or apply for a loan
  • pay your bills or make deposits or withdrawals from your account
  • use your credit or debit card
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 nonaffiliated to market to you
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.
Definitions  
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

Our affiliates include companies with a FirstBank name; FB Bank, Farmers State Bank, Northwest Georgia Bank, FirstBank Insurance, Inc., FirstBank Mortgage, FirstBank Mortgage Partners, FirstBank Investment Partners, and Consumer Direct, A Division of FirstBank.

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

FirstBank does not share with nonaffiliated companies, except in the context of joint marketing with other financial companies.

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

FirstBank does not share with nonaffiliated companies, except in the context of joint marketing with other financial companies.

Customer Identification Program

In accordance with the USA PATRIOT Act, Federal law requires all financial institutions to obtain, verify, and record information that identifies each individual or entity opening an account.  This includes all personal and commercial accounts, including loan and deposit accounts, as well as trust, brokerage, insurance, and investment management accounts.

What This Means To Our Customers

When you open an account, you will be asked for your name, address, Social Security or tax identification number, date of birth (if applicable), and other information that will allow FirstBank to identify you. You will also be asked to furnish your driver’s license or other identifying documents.  We are required to follow this procedure each time an account is opened, even if you are a current customer of FirstBank.

FirstBank, Member FDIC.
01/2016