NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
This is our 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
• Financial, investment, or economic advisory services (for a
fee)
• Home mortgage brokerage
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 will first define some
terms.
We, our,
and us means First Missouri 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.
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 nonaffiliated third
parties
• Information from a consumer reporting agency
We do not disclose any nonpublic personal information about
you to anyone, except as authorized by 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 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 CUSTOMER
We do not disclose nonpublic personal information about former
customers.
Online
Banking Privacy and Security Policy
First
Missouri State Bank is committed to providing the highest level
of security and privacy regarding the collection and use of our
online banking customers' personal information, as well as that
of all visitors to our web site. Personal information may be collected
through the submission of account applications or online banking
transactions. A detailed description of First Missouri State Bank's
Online Banking Policy is provided below. If you have additional
questions regarding the privacy of your personal information,
contact us.
Respect
of Right to Privacy
At First Missouri State Bank, our mission is to meet the desires
of our customers. As financial service professionals entrusted
with sensitive financial information, we respect the privacy of
our customers and are committed to treating customer information
responsibly.
Collection
and Use of Personal Information
The collection of personal information online is designed to protect
access to your personal accounts and to assist the bank in providing
you with the products and services you want and need. All personal
information collected and stored by the bank is used for specific
business purposes - to protect and administer your personal accounts
and transactions, to comply with state and federal banking regulations,
and to help the bank better understand your financial need in
order to design or improve our products and services.
Employing
stringent security measures in the collection of your personal
information, all First Missouri State online account applications
are submitted through an encrypted direct line to the bank's secure
administration site (Online Resources). Once the bank receives
your account application only approved personnel may process the
application. Furthermore, auditing mechanisms have been put into
place to further protect your information by identifying which
employee(s) has accessed and in any way modified - for example,
updated or added to - your personal information.
If
you choose to contact us via e-mail, please keep in mind that
your e-mail address, and any other information your e-mail header
shows about you, such as your name or organization, will be revealed
to us in the e-mail. When you communicate with us, we will use
your e-mail information only for the specific purpose of responding
to your comments or questions. Your e-mail address will not be
sold, nor will it be shared with others outside the bank unless
we are compelled to do so by law.
Protecting
our Children
We
do not solicit data from children, and we do not knowingly market
to children. Protecting children's identities and privacy online
is important and the responsibility to do so is with both the
online industry and with the parents.
Maintenance
of Accurate Information
It is in the best interest of both you and the bank to maintain
accurate records concerning your personal information. For this
reason, First Missouri State Bank requests you to come to the
bank to update your personal information. Notifications are immediately
sent to the bank's secure administration site. This procedure
allows First Missouri State Bank to administer security in updating
your personal information in a timely manner.
Limited
Employee Access to Personal Information
First Missouri State Bank limits employee access to your personal
information to only those bank administrators with a business
reason for knowing such information. First Missouri State Bank
also educates all employees about the importance of confidentiality
and customer privacy. In addition, individual user names and passwords
are used by approved bank personnel to access your personal information
online, providing audit trails to further safeguard the privacy
of your personal information.
Third-Party
Disclosure Restrictions
First
Missouri State Bank is permitted under law to disclose nonpublic
personal information about you to other third parties in certain
circumstances. For example, we may disclose nonpublic personal
information about you to third parties to assist us in servicing
your loan or account with us, to government entities in response
to subpoenas, and to credit bureaus. We do not disclose any nonpublic
personal information about our customers to anyone, except as
permitted by law.
Online
Banking Security Policy
First
Missouri State Bank is committed to keeping your information private
and secure. We continually assess new technology for protecting
information. Our employees are governed by a Code of Conduct that
includes the responsibility to protect the confidentiality of
each customer's personal information. Our employees are trained
to understand and comply with these information principles.
SECURITY
CONTROLS
First
Missouri State Bank will require the following password protection
practices:
- A minimum
of 8 characters for the length of the password
- Customer
must change password immediately after signing on to the Web
for the first time
- Customer
may change password at any time
- Automatic
log-off after (3) failed access attempts
- Data is
encrypted when transmitted (128-bit encryption)
- No automatic
"save" feature for passwords
You
can play an important role in helping us maintain this security
by following these simple guidelines:
- Never
give your Password to anyone. The Bank's staff will never
ask for your Password.
- Do
not store your Password or other sensitive data on your
computer.
- Log out
of Online Banking when you are finished using it. For added
protection, Online Banking will log you off automatically after
sensing a period of inactivity.
If
you feel your Password has been compromised, let us know immediately
by calling: 1-573-785-6800. Do not send us this information
via e-mail.
FIRST
MISSOURI STATE BANK'S SYSTEMS
The
Bank's systems are protected first by "firewalls" set up between
the Internet and us. Firewalls are the "traffic cops" of network
security. All messages in and out must pass through them, and
they allow only certain types of messages to be sent to the other
side. So, only messages that are legitimate Online Banking messages
can be sent to our system. All other requests are refused before
they can ever reach sensitive data on our systems. And those systems
are also protected using industry-standard security methods.
Second,
we monitor our systems to detect any attempted intrusions and
ensure that all of the protections in place are functioning correctly.
Finally,
we work to remain up-to-date about security system advances and
potential risks. Our staff works directly with security experts
to get new information as soon as it becomes available.
TRANSMISSION
OF DATA AND ENCRYPTION
All
communication between your computer and the Bank during an Online
Banking session is scrambled with the highest level of encryption
available for today's popular browsers. Encryption is the process
of translating meaningful communication into undecipherable code
and then back into meaningful communication.
To
ensure a high level of security when accessing Online Banking,
First Missouri State Bank requests the use of 128-bit encryption.
It ensures that communication between you and the Bank cannot
be translated by anyone without the correct "keys". This level
of encryption is so strong that Federal regulations prevent it
from being sent to any addresses outside the United States.
Technically,
using 128-bit encryption means that each time you log in to Online
Banking, your computer is assigned a "key" made up of a string
of 128 zeros and ones. All messages from your computer to the
Bank's systems are then coded based on this "key", but they can
only be decoded using our equivalent 128-digit "key". It is never
transmitted on any open network, since it resides only on the
Bank's systems. It's important to note that each time you log
in, a different "key" is assigned, so that anyone attempting to
break through the encryption would have to start over from scratch
every time you use Online Banking.
Disclosure
of Privacy Policies
First Missouri State Bank is committed to ensuring the privacy
of its customers' personal information. For more information regarding
First Missouri State Bank Online Banking Privacy and Security
Policy, contact us at 1-573-785-6800.
