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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.
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.
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.
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.
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.
Financial institutions should maintain appropriate security standards and procedures regarding unauthorized access to customer 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").
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.
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.
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.
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.
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:
We will, to the extent not otherwise prohibited by law, disclose information to third parties about your accounts with us as follows:
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.