Our Privacy Policy

What does First Security Trust Bank, Inc. 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 overdraft history
transaction history and account balances
credit history and credit scores

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 Security Trust Bank, Inc. chooses to share, and whether you can limit this sharing.

Reasons we can share your personal information
Does First Security Trust Bank, Inc. share?
Can you limit 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
                  Yes
          No
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
                   No
We don’t share
For nonaffiliates to market to you
                   No
We don’t share

QUESTIONS?

Call 859.746.9000 or write First Security Trust Bank, Attention: Privacy Officer, 7135 Houston Road, Florence, KY 41042 or go to FSTB@FSTB.com (Please do not include confidential information in any email messages.)

WHO WE ARE

Who is providing this notice?

First Security Trust Bank must notify you about our sharing practices when you open an account and each year while you are a customer.

WHAT WE DO

How does First Security Trust Bank, Inc. 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 Security Trust Bank, Inc. collect my personal information?

We collect your personal information, for example, when you:

open an account or deposit money
pay your bills or apply for a loan
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.

DEFINITIONS

Affiliates

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

Our affiliates include financial companies such as Commonwealth Bank & Trust Company.

Nonaffiliates

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

First Security Trust Bank, Inc. 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.

Our joint marketing partners include insurance companies.

Rev. June 2011