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Privacy Policy

FACTS WHAT DOES FIRST SOUTHERN 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 credit history
  • employment information and overdraft history
  • wire transfer instructions and payment history

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 First Southern Bank chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does First Southern Bank 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 No We don't share
For our affiliates' everyday business purposes -
information about your transactions and experiences
No We don't share
For our affiliates' everyday business purposes -
information about your creditworthiness
No We don't share
For nonaffiliates to market to you No We don't share

 

Questions? Call 256-764-7131 or go to www.firstsouthern.com

 

Who we are                                                                                                                                                   

 Who is providing this notice?                                                          First Southern Bank

What We Do
How does First Southern Bank 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 First Southern Bank collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Apply for a loan or Pay your bills
  • 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 nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

 

Definitions
Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

  • First Southern Bancshares, Inc.
Nonaffiliates

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

  • First Southern Bank does not share with nonaffiliates so they can market to you.
Joint Marketing

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

  • First Southern Bank doesn't jointly market.