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Privacy Statement
Rev 06/2011
FACTS
WHAT DOES FCSB 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
l Income
l Account balances
Payment history
l Transaction history
l 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 FCSB chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does FCSB 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
WE DO NOT SHARE
For joint marketing with other financial companies
NO
WE DO NOT SHARE
For our affiliates’
everyday business purposes information about your transactions and experiences
NO
WE DO NOT SHARE
For our affiliates’
everyday business purposes information about your creditworthiness
NO
WE DO NOT SHARE
For nonaffiliates to market to you
NO
WE DO NOT SHARE
Questions?
Call toll-free 1-866-400-FCSB or go to www.firstcentralsavings.com
Who we are
Who is providing this notice?
FCSB means First Central Savings Bank.
What we do
How does FCSB 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.
We also maintain other physical, electronic and procedural safeguards to protect
this information and we limit access to information to those employees for whom
access is appropriate.
How does First Central Savings Bank 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 debit card
We also collect your personal information from others, such as
credit bureaus, affiliates, or other companies.
How does FCSB collect my
personal
information?
We collect your personal information, for example, when you
Open an account
l Deposit money
l Apply for a loan
l Provide account information
l Show your driver's license
We also collect your personal information from others, such as credit bureaus 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
l affiliates from using your information to market to you
l 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.
Other Important Information
For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with
nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For California Customers. We will not share personal information with nonaffiliates either for them to market to you
or for joint marketing - without your authorization. We will also limit our sharing of personal information about you
with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or
share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For Vermont Customers.
We will not share personal information with nonaffiliates for them to market to you without
your authorization and we will not share personal information with affiliates or for joint marketing about your
creditworthiness without your authorization.
