FACTS

WHAT DOES FIRST SOUTHERN BANK 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
• Credit history
• Account balances
• Overdraft history
• Payment history
• Checking account information

How?

All financial companies need to share customer's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer's personal information; the reasons First Southern Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does First Southern Bank 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

No

For joint marketing with other financial companies

Yes

No

For our affiliates' everyday business purposes information about your transactions and experiences

Yes

No

For our affiliates' everyday business purposes information about your creditworthiness

No

We don't share

For our affiliates to market to you

Yes

Yes

For nonaffiliates to market to you

No

We don't share

To limit our sharing

• Call 912-490-1010 or 
• Visit us online: www.fsb-bank.com

Questions?

Call 912-490-1010 or go to www.fsb-bank.bank

Who We Are

Who is providing this notice?

First Southern Bank and First Southern Insurance, LLC.

What We Do

How does First Southern Bank 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. We limit information access to employees.

How does First Southern Bank collect my personal information?

We collect your personal information, for example, when you

• Open an account             or Make a wire transfer
• Apply for a loan               or Show your driver's license
• Make deposits or withdrawals from your account

We also collect your personal information from others, such as credit bureaus, affiliates, 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
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choice will apply to anyone else on the account unless you tell us otherwise.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

• Our affiliates include financial companies such as:  First Southern Insurance, LLC and FSBH CORP.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

• First Southern Bank does not share with non-affiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• First Southern Bank's joint marketing partner(s) include financial service companies.

Other important information