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YOUR RIGHT TO FINANCIAL PRIVACY
Our Privacy Commitment to You
We recognize, respect, and protect the personal privacy rights of all
our customers. We realize that our customers entrust us with personal
information and it is our policy to maintain our customer’s information in a
confidential manner. We are committed to providing the highest level of
security and privacy regarding the collection and use of our customers’
personal information, as well as personal information of all customers who
visit our banks and our website.
DEFINITIONS
WE WILL USE CERTAIN TERMS IN THIS NOTICE THAT ARE DEFINED AS FOLLOWS:
WE, OUR, and US: This will always mean FCB Banks.
YOU and YOUR: This means our customers with whom we have a continuing
relationship through one or more accounts, and also consumers who may use a
service we provide (such as an ATM) without any real account relationship or
someone who may have applied for a loan but was declined.
PUBLICY AVAILABLE INFORMATION: Information that is lawfully available
to the general public from official public records (such as real estate
records or securities filings), information from widely distributed media
(such as telephone books, television, radio, or newspaper) or information
that is required to be disclosed to the general public by Federal, State or
Local law (such as securities filings).
NON-PUBLIC PERSONAL INFORMATION: Personally identifiable financial
information that is not available from public sources (as described above).
AFFILIATE: Any company under common control with another company.
NON-AFFLIATED THIRD PARTY: Any person(s) or corporate entity that is not
an affiliate or is not a joint employee of a financial institution and a
third party. CONSUMER REPORTING AGENCY: A person or business which
makes a practice of collecting and evaluating consumer credit information
for the purpose of furnishing consumer reports to third parties.
PRIVACY NOTICE
Confidentiality and Security of Nonpublic Personal Information
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.
In addition, your online information is kept confidential through submission
of encrypted email request sent to FCB’s secure administration site. All FCB
online account applications are submitted to FCB’s secure administration
site through an encrypted direct line to the bank.
Nonpublic Personal Information We Collect
We collect nonpublic personal information about you from the following
sources:
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Information we receive from you on applications or other forms, such as, “your name, address, social security number, assets, and income”.
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Information about your transactions with us, our affiliates, or others, such as, “ your account balance, payment history, parties to transactions, and credit card usage”.
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Information we receive from a consumer reporting agency, such as, “your creditworthiness and credit history”.
Nonpublic Personal Information We Disclose
We may disclose all of the information we collect, as described above,
to a Securities Firm with whom we have a joint marketing agreement.
We do not disclose nor do we reserve the right to disclose, any nonpublic personal information about our customers or former customers to anyone, except to nonaffiliated third parties as permitted by law.
Notify Us of Inaccurate Information We Report To
Consumer Reporting Agencies
Please notify us if we report any inaccurate information about
your account(s) to a consumer reporting agency. Your written notice
describing the specific inaccuracy(ies) should be sent to us at the
following address: FCB BANKS 800 BELTLINE ROAD, PO BOX 809, COLLINSVILLE, IL
62234 or email us at service@fcbbanks.com.
