*** It is important to know that First Bank and Trust will NEVER ask you to verify your private financial or account information via e-mail. If you receive an e-mail that appears to be from First Bank and Trust that asks you to input personal financial information or account numbers, DO NOT RESPOND! Please forward these suspicious e-mails to customerservice@fbtonline.com or call (504) 584-5900. If you did respond to a suspicious e-mail and shared your personal financial information, please contact your local branch as soon as possible.

First Bank and Trust Privacy Policy

FIRST BANK AND TRUST PRIVACY POLICY

First Bank and Trust

909 POYDRAS ST, SUITE 100, NEW ORLEANS, LA 70112

PHONE: (504) 584‑5900

Fax: (504)584-5902

Our Privacy Commitment to You.  We recognize, respect and protect the personal privacy rights of all our customers. We realize that our customers entrust us with personal information and it is our policy to maintain our customers' information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers' personal information, as well as personal information of all consumers who visit our institution and website.

Confidentiality and Security of Nonpublic Personal Information.  Every First Bank employee's priority is the service we provide to you and the confidentiality of your records. Every employee is trained on the importance of protecting your confidentiality. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Nonpublic Personal Information We Collect.

During the course of your relationship with us, we collect nonpublic personal information about you from the following sources:

§    Information we receive from you on applications for our products and services and on other forms that you may provide us.

§    Information we receive from processing your accounts with us or our affiliates and the transactions in those accounts, such as deposits, loans, investment, and insurance, as well as information that we receive from providing services to you, such as funds transfer services.

§    Information we receive from consumer reporting agencies.

§    Information that we receive in response to requests we make to third parties about you or to confirm information that you have provided to us, particularly in the process of evaluating applications for loans.

Nonpublic Personal Information We Disclose. We may disclose the following kinds of nonpublic personal information about you:

§    Information we receive from you on applications or other forms, such as your name, address, assets, and income.

§    Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions, and credit card usage.

§    Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

Parties to Whom We Disclose Nonpublic Personal Information. We disclose nonpublic personal information about you to the following types of third parties:

§    First Bank and Trust affiliated companies

§    Non-affiliated third party marketing firms

We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law. Except as permitted by law, FIRST BANK AND TRUST WANTS TO ASSURE YOU THAT WE WILL NOT DISCLOSE ANY OF YOUR NONPUBLIC PERSONAL INFORMATION TO NON AFFILIATED THIRD PARTIES, EXCEPT TO COMPANIES THAT PERFORM MARKETING SERVICES ON OUR BEHALF OR TO OTHER FINANCIAL INSTITUTIONS WITH WHOM WE HAVE JOINT MARKETING AGREEMENTS.  WE WILL SHARE INFORMATION WITHIN THE BANK'S CORPORATE FAMILY (AFFILIATES) TO BETTER SERVE YOUR FINANCIAL NEEDS.

Fair Credit Reporting Act Information Sharing Opt-Out and Affiliate Marketing Opt Out.  Under the Fair Credit Reporting Act, we have a right to share information regarding our transactions or experiences with you. Unless you instruct us otherwise, we also have the right to share any other information about you with our affiliates (persons related by common ownership or affiliated by corporate control, now or in the future) either directly or indirectly. This other information may include, but is not limited to, application information, credit reports from a consumer reporting agency, and any other information we have about you. If you do not want us to share this other information with our affiliates you may utilize the opt-out methods set forth below. 

Unless you instruct otherwise, we also have the right to allow our First Trust (FT) affiliates, such as our insurance and securities affiliates, to market their products or services to you based on your personal information that we collect and share with them.  This information includes your income, your account history with us, and your credit score.  Your choice to limit offers from our affiliates will apply until you tell us to change your choice.

Opt Out Information

Financial Products or Services to Which Your Opt Out Options Apply:  If you elect to opt out of information sharing or affiliate marketing, we will treat that opt out as applying to all financial products or services that you have obtained from us in the past or that you may obtain from us in the future.

Your Right to Opt Out of Information Sharing:  If you prefer that we not disclose nonpublic personal information about you or information not solely related to transactions or experiences with you to our affiliated companies or nonaffiliated third parties, you may opt out of those disclosures, that is you may direct us not to make those disclosures (other than disclosures permitted by law).

We will treat an opt out direction by any joint account holder as applying to all parties on the account.

You may notify us of your intent to opt out of affiliate or third party sharing or affiliate marketing by using one of the following methods.

How to Opt Out of Information Sharing:  To opt out of sharing information with our affiliated companies and/or nonaffiliated third parties, you may call us at the following number: (888)-287-9621.  To opt out of sharing information with our affiliated companies and/or nonaffiliated third parties, please send your request to First Bank and Trust, ATTN: Deposit Operations, 909 Poydras Street, Suite 3300, New Orleans, LA 70112.

If we do not receive your request to opt out of information sharing with our affiliated companies or nonaffiliated third parties within 30 days of delivery of this notice to you, we are authorized to disclose information about you to our affiliated companies or nonaffiliated third parties in accordance with our privacy policies and practices.

Notify Us of Inaccurate Information We Report To Consumer Reporting Agencies.  Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing any specific inaccuracies should be sent to us at the following address: First Bank and Trust, Deposit Operations, 909 Poydras Street, Suite 3300, New Orleans, LA 70112.

Your Right to Opt Out of Affiliate Marketing.  You may limit our affiliates in the First Trust (FT) group of companies, such as our insurance and securities affiliates, from marketing their products and services to you based on your personal information we collect and share with them.  This information includes your income, your account history with us, and your credit score.  Your choice to limit marketing offers from our affiliates will apply until you tell us to change your choice.

We will treat an opt out direction by any joint account holder as applying to all parties on the account.

You may notify us of your intent to opt out of affiliate marketing by one of the following methods.

How to Opt Out of Affiliate Marketing.  To opt out of affiliate marketing, send your request to: First Bank and Trust, ATTN: Deposit Operations, 909 Poydras Street, Suite 3300, New Orleans, LA 70112 or contact us at (888)-287-9621.

If we do not receive your request to opt out of affiliate marketing within 30 days of delivery of this notice to you, we are authorized to allow our affiliates to market to you based on information that we collect and share with them.