Notice of Your Financial Privacy Rights

We, ours, and us mean First State Bank. This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following:

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

Deposit Account

Loan Account

Safe Deposit Account

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

Definitions:

We, our, and us means First State Bank.

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 of ours.

Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

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 our affiliates

Information about your transactions with nonaffiliated third parties

Information from a consumer reporting agency

The Confidentiality, Security and Integrity of Your 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 customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.

Nonpublic Personal Information and Former Customers: We do not disclose nonpublic personal information about former customers.

Nonpublic Personal Information and Affiliates - Future Changes:In the future, we may disclose nonpublic personal information about you to affiliates, even though we are not doing so now. Here are the kinds of nonpublic personal information we may disclose to our affiliates:

Information about your transactions and experience with us, such as:

Name

Address

Types of Accounts

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

Types of Affiliates:We may disclose nonpublic personal information about you in the future to the following types of affiliates:

Financial Service Providers such as Securities brokers-dealers.

Reasons for Disclosure: Here is why we may disclose nonpublic personal information about you in the future to our affiliates:

To provide our customers with information about additional products and services.