FSB's Customer Information Privacy Statement

Naturally we want to protect the personal and financial information you've entrusted with us. For this reason, we would like to explain some of our procedures which are intended to protect your privacy.

The eight Privacy Principles below have been endorsed by the major banking groups. We use these Privacy Principles to guide us in dealing with consumer information. We have also outlined below other procedures which have been designed to protect your interests. These each include specific ways for you to communicate with us. Please note that, to protect your privacy, we cannot accept communications from someone claiming to represent you, unless the party acting for you is your attorney, guardian, trustee or is otherwise authorized by law to represent you.

FSB offers Online Banking, Brokerage and Bill Pay services to our customers. These services allow you to access your deposit, loan and brokerage accounts through an authentication process which uses personal access codes and passwords. We employ a number of measures, as described in our Security Commitment, to provide these services in a secure manner. These measures allow us to properly authenticate your identity when you access our services and protect your information as it traverses the Internet between your PC and Huntington.

Our security measures must rely on these access codes remaining confidential. We strongly recommend that you do not share these access codes and passwords with others. Certain third party providers such as bill pay and bill presentment sites, financial aggregator sites, brokerage sites or other e-commerce sites may offer to provide services to you by accessing your accounts using your access codes and passwords. While it is your decision whether or not to use these services, please be advised that we cannot be responsible for the security and accuracy of the information displayed to you anywhere but at the FSB Web site. If you have any general questions about privacy, please feel free to call 318-435-3711.

Privacy Principles

Recognition of a Customer's Expectation of Privacy Financial institutions should recognize and respect the privacy expectations of their customers and explain principles of financial privacy to their customers in an appropriate fashion. This could be accomplished, for example, by making available privacy guidelines and/or providing a series of questions and answers about financial privacy to those customers.

Use, Collection and Retention of Customer Information

Financial institutions should collect, retain and use information about individual customers only where the institution reasonably believes it would be useful (and allowed by law) to administering that organization's business and to provide products, services and other opportunities to its customers.

Maintenance of Accurate Information

Financial institutions should establish procedures so that a customer's financial information is accurate, current and complete in accordance with reasonable commercial standards. Financial institutions should also respond to requests to correct inaccurate information in a timely manner.

Limiting Employee Access to Information

Financial institutions should limit employee access to personally identifiable information to those with a business reason for knowing such information. Financial institutions should educate their employees so that they will understand the importance of confidentiality and customer privacy. Financial institutions should also take appropriate disciplinary measures to enforce employee privacy responsibilities.

Protection of Information via Established Security Procedures

Financial institutions should maintain appropriate security standards and procedures regarding unauthorized access to customer information.

Restrictions on the Disclosure of Account Information

Financial institutions should not reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence, unless 1) the information is provided to help complete a customer initiated transaction; 2) the customer requests it; 3) the disclosure is required by/or allowed by law (e.g., subpoena, investigation of fraudulent activity, etc.); or 4) the customer has been informed about the possibility of disclosure for marketing or similar purposes through a prior communication and is given the opportunity to decline (i.e., "opt out").

Maintaining Customer Privacy in Business Relationships with Third Parties

If personally identifiable customer information is provided to a third party, the financial institutions should insist that the third party adhere to similar privacy principles that provide for keeping such information confidential.

Disclosure of Privacy Principles to Customers

Financial institutions should devise methods of providing a customer with an understanding of their privacy policies. Customers that are concerned about financial privacy will want to know about an institution's treatment of this important issue. Each financial institution should create a method for making available its privacy policies.

Information We Share with Consumer Reporting Agencies

It is commonplace for financial institutions like FSB to share information about customer accounts with consumer reporting agencies. However, if you believe some of the information we have shared or may share is in error, please let us know by writing to: Franklin State Bank, P.O. Box 940, Winnsboro, La. 71295. Simply give us your complete name, current address, phone number and social security number. You will also need to include your account number, type of account, and the specific item in dispute, along with the reason you believe this information has been reported in error. We will do our best to correct any situation to your satisfaction.

Information We Share with Third Parties

When we do provide customer information to selected third parties to provide products, services or other opportunities to our customers, we only do so when we believe it may help meet financial needs or be of interest. If you don't wish us to do this for you, simply tell us you wish to opt out of such third party information sharing. This request must be sent in writing for yourself only (not any joint account holders) to The Huntington, Third Party Information Sharing, P.O. Box 1558, OP56, Columbus, Ohio 43216 in an envelope with no other correspondence. If you live in California, you may call 1-800-294-5809.

Change to Existing Account Agreements

To implement the Privacy Principles we have described here, we are changing the "Disclosure of Information to Others" section of your deposit account agreements and disclosures, effective immediately, to read as follows:

Disclosure of Information to Others

We will, to the extent not otherwise prohibited by law, disclose information to third parties about your accounts with us as follows:

• To consumer reporting agencies and other reputable information reporting services.
• In connection with bona fide corporate due diligence and audits.
• To help complete a transaction you initiate, including information requested to verify the existence or condition of an account.
• At your request, which may be oral, in writing, by telephone, electronic or other means we recognize.
• When disclosure is required by law, such as pursuant to court order, subpoena, legal process or government agency examination or investigation, or to protect or enforce our rights.
• In response to a request from any bank or other company that is affiliated with us.
• To companies that perform service for us in connection with your accounts, such as data processing and software companies and collection agencies.
• To carefully selected unaffiliated third parties for their own use to provide products, services, or other opportunities to you, unless you have instructed us not to do so.

 

What we do with your personal infromation from the mobile application

The mobile application requests access to information stored on your device such as location, camera, contacts, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account.

It is important for you to understand that:

• Before granting access to this information, you will be prompted to give the application that permission.
• If you do not wish to grant that permission, you may decline.
If you later change your mind, those permissions can be updated in your device's settings.

Some examples of information your app will request access to are:

• Location
• Contacts
• Camera

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.

The application information is retained in accordance with state and federal record retention laws. Please contact us to determine specific timeframes for your personal stored information and if that information may be deleted.

Thank You

At FSB, your business is very important to us and we do our best to ensure your happiness. If at any time we can help you further, please do not hesitate to call 318-435-3711.