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Privacy Policy

This is our privacy notice for our customers. When we us the words “you” and “your” we mean the following types of customers:

All of our consumer customers who have a relationship with us, such as:

• Deposit Accounts
• Loan Accounts
• Safe Deposit Accounts
• Self-Directed Individual Retirement Accounts where we act as custodian or trustee
• Financial, investment, or economic advisory services (for a fee)

All persons who use our trust department.

We will tell you the sources of nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

We first define some terms:

• We, our, and us means First Bank and Trust Company.
• Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
• An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
• A nonaffiliated third party is a company that is not an affiliate or ours.

THE INFORMATION THAT WE COLLECT

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

• Information we receive from you on applications or other forms.
• Information about your transactions with us.
• Information about your transactions with nonaffiliated third parties.
• Information from a consumer reporting agency.

We do not disclose any nonpublic personal information about you to anyone, except as permitted or required by law.

THE CONFIDENTIALITY, SECURITY AND INGEGRITY OF YOU 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 regulations to guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES

Since we value our customers’ relationship with us, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted or required by law. This might include disclosures necessary to service your account, perform joint marketing or prevent unauthorized transactions.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS

We do not disclose nonpublic personal information about former customers, except as permitted or required by law.