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Protecting your privacy is important to us at First State Bank. We fully
appreciate how imperative it is to take every precaution when you entrust us
with your financial information. Please, rest assured that it will be maintained
within our strict guidelines. We believe that it is important that you
understand what information we collect, how we use it and with whom we share
that information.
Information that we collect:
We may collect "nonpublic personal information" about you from the following
sources:
Information we receive from you on applications or other loan account
forms
Information about your transactions with us or others
Information we receive from third parties such as credit bureaus
Information from public sources such as real estate records and telephone
numbers
"Nonpublic personal information" is nonpublic information about you that we
obtain in connection with a financial product or service to you. This
information may include:
Your name, physical address, mailing address, phone number, and social
security number
Information regarding your account number and balance
Information involving any loan or payment history
Information reflecting account usage
Parties with whom we share information
We may provide information about you to third parties in certain
circumstances in order to provide you with the products or services you are
requesting. These third parties could include any of the following:
Our operations service bureau and item processing centers
Information to government entities in response to subpoenas
Information to professional product resources
Information to credit bureaus
Loan settlement service providers, real estate inspection and appraisal
companies
Insurers, attorneys and other related professionals
Accordingly, we may provide information to our service providers in order to
process your applications or to service your accounts with us for the following
reasons:
To assist us in servicing your loan
Credit history analysis
To offer enhanced products or services
To protect you and your accounts with us against fraud
If personally identifiable customer information is provided to a third party,
First State bank insists that the third party adhere to strict privacy
guidelines that will provide for and guarantee safekeeping of the confidential
information. We do not disclose any nonpublic personal information about you to
anyone, except as permitted, or required by law.
Occasionally, the bank may select business partners who may be able to offer
our customer base a selection of requested products such as insurance, credit
cards or business solutions. Although these third parties are not owned or
affiliated with First State bank, every business relationship we enter will be
required to adhere to our strict privacy standards.
Change Your Privacy Opt-In/Out Status
If you prefer that we do not share your information among FSB affiliated
companies, joint marketers or non-affiliated third parties, other than those
permitted by law, please notify us of your preference in writing at First State
Bank, 16 Commerce Drive, Cranford New Jersey 07016.
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