First Trust & Savings Bank

FACTS	WHAT DOES THE FIRST TRUST & SAVINGS 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 account balances credit history and credit scores income and employment information
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 The First Trust & Savings Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does The First Trust & Savings 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	No	We don't share
For joint marketing with other financial companies	No	We don't share
For our affiliates' everyday business purposes - information about your transactions and experiences	Yes	No
For our affiliates' everyday business purposes - information about your creditworthiness	No	We don't share
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	No	We don't share

To limit our sharing

Call Watseka Office: 815-432-2494, Clifton Office: 815-694-2329 - our menu will prompt you through your choice(s)

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 Watseka Office: 815-432-2494, Clifton Office: 815-694-2329

Who we are
Who is providing this notice?	The First Trust & Savings Bank
What We Do
How does The First Trust & Savings 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 The First Trust & Savings Bank collect my personal information?	We collect your personal information, for example, when you open an account or apply for a loan show your driver's license or give us your employment history use your credit or debit card
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.
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 non-financial companies. Our affiliates include financial companies such as The First Trust Holdings, Inc., First Trust Holdings Financial Services, Inc. (commonly known as FTH Insurance).
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. The First Trust & Savings 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. The First Trust & Savings Bank doesn't jointly market.

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