Privacy Policy

FACTS
WHAT DOES SOUTHERN ILLINOIS BANCORP, INC. 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 and income
  • Account balances and payment history
  • Credit history and 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 Southern Illinois Bancorp, Inc. chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Southern Illinois Bancorp, Inc. 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 Yes
For joint marketing with other financial companies No We don’t share
For our affiliates’ everyday business purposes – information about your transactions and experiences Yes Yes
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 non-affiliates to market to you No We don’t share
To limit our sharing

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. If you have previously submitted the Opt Out request form below to us in the past, your initial request remains on file and does not require any further action on your part at this time.

Call us toll free at 800-538-3979 or 618-382-4118 or go to www.firstbank.bz.

Questions?
Who we are
Who is providing this notice? The following is a list as of June 15, 2017 of the Southern Illinois Bancorp, Inc., family of companies to which this privacy notice applies:The First National Bank of Carmi (“First Bank”)First Insurance Agency, Inc.First Financial ServicesSouthern Illinois Title Services, Inc.
What we do
How does Southern Illinois Bancorp, Inc. 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.
How does Southern Illinois Bancorp, Inc. collect my personal information? We collect your personal information, for example, when you

  • open an account or deposit money
  • apply for a loan or apply for insurance
  • seek advice about your investments

We also collect your personal information from others, such as creditbureaus, 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 non-affiliates 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 choices will apply to everyone on your account.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include financial companies such as The First National Bank of Carmi (“First Bank”), First Insurance Agency, Inc., First Financial Services, and Southern Illinois Title Services, Inc.
Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Southern Illinois Bancorp, Inc. does not share with non-affiliates sothey can market to you.
Joint marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Southern Illinois Bancorp, Inc. does not participate in joint marketing with other non-affiliated financial companies.
Direct marketing Direct marketing includes e-mail, postal mail, and telephone marketing. Even if you limit direct marketing, we may still contact you to service your account or as otherwise allowed by law.
Information For insurance customers, the term “information” in this part means customer information obtained in an insurance transaction. We may give your information to state insurance officials, law enforcement, and group policy holders about claims experience or auditors as the law allows or requires. We may give your information to insurance support companies that may keep it or give it to others. We may share medical information so we can learn if you qualify for coverage, process claims or prevent fraud or if you say we can.