Online Banking

FACTS

WHAT DOES FIRSTIER 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 and account transactions

Credit history and checking account information

Payment history and transaction or loss history

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 FirsTier Bank chooses to share; and whether you can limit this
sharing.

Reasons We Can Share Your
Personal Information

Does FirsTier 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

No

We don’t share

For joint marketing with other financial companies

No

We don’t share

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

No

We don’t share

For our affiliates’ everyday business purposes –
information about your creditworthiness

No

We don’t share

For our affiliates to market to you

No

We don’t share

For nonaffiliates to market to you

No

We don’t share

WHAT WE DO

How does FirsTier 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 and we limit access to information to
those employees for whom access is appropriate.

How does FirsTier Bank collect my personal information?

We collect your personal information, for example, when
you:

Open an account or apply for a loan

Make deposits or withdrawals from your account or make a wire
transfer

Show your government-issued ID

Use our online or mobile banking services, including
location-enabled features that you authorize through your mobile device

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.

FirsTier Bank has no affiliates.

Nonaffiliates

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

FirsTier 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.

FirsTier Bank doesn’t jointly market.

MOBILE BANKING APPLICATION
PRIVACY NOTICE

Notice

In addition to the information described above, FirsTier
Bank’s Mobile Banking Application may collect information from your mobile
device to provide banking services, enhance security, and improve customer
experience.

Information We Collect Through the Mobile Banking
Application

When you use the Mobile Banking Application, we may
collect:

Device information, including device type, operating system,
and unique device identifiers.

Usage information related to your interaction with mobile
banking services.

Location information when you authorize location permissions on
your device.

Location Information

The FirsTier Bank Mobile Banking Application may access,
collect, and use precise or approximate location information from your mobile
device when you grant permission through your device settings.

Location information may be used to:

Help identify nearby branch and ATM locations.

Support fraud prevention, security monitoring, and
authentication activities.

Assist with troubleshooting and improving mobile banking
services.

Support features and functionality requested by the user.

You may choose not to provide location information by
declining or disabling location permissions on your device. Certain
location-based features may not function properly if location permission is
disabled.

How We Share Information

FirsTier Bank does not sell your personal information or
location information.

Information collected through the Mobile Banking
Application may be shared only:

To process and service your transactions.

To comply with legal and regulatory requirements.

To detect, prevent, and investigate fraud or security
incidents.

With service providers assisting FirsTier Bank in delivering
mobile banking services, subject to appropriate confidentiality and security
obligations.

Contact Us

FirsTier Bank
1-800-992-9026
www.firstierbanks.com