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Privacy Policy

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Privacy Policy

PRIVACY STATEMENT
rev. 06/2014

WHAT DOES FIRST INDEPENDENCE BANK (FIB) 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 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 Independence Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information:
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
Does FIB share? Yes
Can you limit this sharing? No

For our marketing purposes— to offer our products and services to you
Does FIB share? No
Can you limit this sharing? We don’t share

For joint marketing with other financial companies
Does FIB share? No
Can you limit this sharing? We don’t share

For our affiliates’ everyday business purposes— information about your transactions and experiences
Does FIB share? No
Can you limit this sharing? We don’t share

For our affiliates’ everyday business purposes— information about your creditworthiness
Does FIB share? No
Can you limit this sharing? We don’t share

For non–affiliates to market to you
Does FIB share? No
Can you limit this sharing? We don’t share

Questions? Call 313-256-8400 or go to www.firstindependence.com

Who is providing this notice? First Independence Bank (FIB)

How does First Independence 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. FIB restricts access of personally identifiable financial information to those employees with a specific business reason for utilizing this data.

How does First Independence Bank collect my personal information? We collect your personal information, for example, when you
• open an account or deposit money
• apply for a loan or pay your bills
• use your debit card
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.

Definitions:

Affiliates - Companies related by common ownership or control. They can be financial and nonfinancial companies.
• First Independence Bank has no affiliates.

Nonaffiliates - Companies related by common ownership or control. They can be financial and nonfinancial companies.
• First Independence Bank does not share with nonaffiliates 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 Independence Bank doesn’t jointly market.

Other Important Information:
You can help protect your privacy by using caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, explains the call is on behalf of the bank and asks for your account number or any other identifying or account-related information, you should beware. First Independence Bank does not ask bank customers for personal information via email or phone. Anyone who receives an email or phone call that claims to be from First Independence Bank and asks for account information should consider it to be a fraudulent attempt to obtain their personal account data and should not follow the instructions in the email or over the phone.