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Printable Version

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

Rev 09/2014

FACTS

WHAT DOES SIMMONS FIRST NATIONAL CORPORATION

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 balances
  • transaction history and payment history
  • credit history and credit score

 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 Simmons First chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Simmons First 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 No We don't share
For nonaffiliates to market to you No We don't share
Questions? Call 866-246-2400 or go to www.simmonsfirst.com
Who we are

Who is providing this notice?

Simmons First National Corporation and All Affiliates  (See Other Important Information below.)

What we do

How does Simmons First

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 Simmons First

collect my personal information?

We collect your personal information, for example, when you

  • open an account or make deposits or withdrawals from your account
  • pay your bills or apply for financing
  • use your credit or 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.

 

  • Our affiliates include companies with a Simmons First name; financial companies such as commercial banks, trust companies, mortgage companies, securities broker-dealers, and insurance companies or agents.
Nonaffiliates Companies not related by common ownership or control.  They can be financial and nonfinancial companies.

 

  • Nonaffiliates we share with can include financial service providers such as commercial banks, trust companies, mortgage companies, securities broker-dealers, and insurance companies or agents.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

 

  • Our joint marketing partners include businesses that perform services on our behalf under joint marketing agreements, such as commercial banks, securities broker-dealers, insurance companies or agents, and marketing vendors.
Other important information
Simmons First National Corporation Affiliated Companies:
   
Delta Trust & Bank
Simmons First Capital Markets, Inc.
Delta Trust Insurance Agency, Inc.
Simmons First Investment Group, Inc.
Delta Trust Investment, Inc.
Simmons First Mortgage Company
 Delta Trust Mortgage, Inc. Simmons First National Bank
  Simmons First Trust Company, N.A.

JHA PBAR08 09/14