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NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
This is your privacy notice for our customers. When we use the words you and your we mean the following types of customers:
All of our consumer customers who have a continuing relationship with us, such as:
- Deposit account
- Loan account
- Credit Card
- Safe deposit box
- Automobile lease we service
- Retail installment contract we hold and service
- Self-directed Individual Retirement Account where we act as custodian or trustee
- Health Savings Account
- Financial, investment, or economic advisory services (for a fee)
- Home mortgage brokerage
- Trust services
- Insurance products
We will tell you the sources for 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 mean First International Bank & Trust
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.
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 such as your name, address, telephone number, social security number, income, employment history and account numbers, account balances, and credit card usage.
- Information about your transactions with us or others.
- Information about your transactions with nonaffiliated third parties.
- Information from a consumer reporting agency such as your creditworthiness and credit history.
As permitted or required by federal or state law, we may share any of the information mentioned above with non-affiliated third parties to process and/or service your transactions, manage risk and provide you with access to products and services First International Bank & Trust offers through such entities, as permitted or required by federal or state law.
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 standards to guard your nonpublic personal information.
We understand that the protection of your non-public personal information is of the utmost importance. The companies to whom we provide information about you to service your account with us or to provide you with our products and services are required by law to maintain the confidentiality of information about you we provide to them.
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 or required by federal or state law.
Guarding your privacy is our obligation. Therefore, we want you to understand how we use the information you provide to us and our commitment to ensuring your personal privacy.
NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
We do not disclose nonpublic personal information about former customers, except as required by federal or state law.
IF YOU HAVE ANY QUESTIONS, PLEASE CALL COMPLIANCE AT 1-877-837-1600
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