Student Credit Card Service Center

CUSTOMER SERVICE ON-LINE

Reserved for Students, age 18 or over,
who have been issued an exclusive
"Invitation Code Number"
to request a
1st Financial Bank USA
Visa Card or MasterCard Card.



1.  
ENTER THE EXCLUSIVE 9-DIGIT "INVITATION CODE NUMBER"
THAT HAS BEEN ISSUED IN YOUR NAME, BY CLICKING
ON THE BOX ABOVE


2.  
ENTER YOUR 5-DIGIT ZIP CODE NUMBER
FROM YOUR HOME ADDRESS THAT IS
PRINTED ON THE CREDIT CARD "REQUEST FORM"
THAT YOU RECEIVED IN THE MAIL, BY CLICKING
ON THE BOX ABOVE


3. 


BANK ONLINE SECURITY INFORMATION

Security

At 1st Financial Bank USA (1FBUSA), we are committed to maintaining the security and confidentiality of your personal information. As part of this commitment, we have taken a number of steps to enhance the safety and confidentiality of information sent to and from 1FBUSA over the Internet.

For security purposes, our computer systems employ software programs to monitor network traffic, to identify unauthorized attempts to upload or change information, and to prevent denial of services attacks or other attacks intended to cause damage.

All online communication to and from 1FBUSA is transmitted over a Secure Sockets Layer (SSL). SSL technology creates a private conversation between two communicating applications, such as your computer and our corporate Internet server. When your data is transmitted over the Internet, it is encrypted, or scrambled, at the sending end and then decrypted at the receiving end, helping to ensure that the information remains confidential. To benefit from SSL technology, you will need a browser with SSL capabilities.

As further protection, we require that you use a browser that supports 128-bit encryption. We use 128-bit encryption because that is the highest level of encryption generally available today. Examples of browsers supporting 128-bit encryption include the latest versions of Netscape Navigator and Microsoft's Internet Explorer.

We also want you to know that we maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information. Our security procedures are aimed at preventing unauthorized access to such information and are reviewed and audited periodically for compliance with federal standards.

If you have any questions about our Security Policy, please contact us by phone toll-free at 1-888-828-9640 or by mail:

Security
1st Financial Bank USA
P.O. Box 7300
North Sioux City, SD 57049

BANK PRIVACY PROTECTION INFORMATION

Privacy

What is the purpose of this Privacy Policy?

Your privacy is important to 1st Financial Bank USA (1FBUSA). We have established standards that govern our collection, use, retention, and protection of information about you in connection with your use of this Site.

What information do we collect from user and how is it used?

1FBUSA is the sole owner of the information collected on this Site. We will not sell, share, or rent this information to others or use it in ways different from what is disclosed in this policy.

1FBUSA collects information from our users at several different points on our Site.

Application
If you apply for a 1FBUSA credit card, we ask that you provide to us certain nonpublic personal information. We request this information in order to determine whether you are eligible to receive a credit card and for identification and security purposes.

Collection of information from children under thirteen
1FBUSA does not knowingly allow children under the age of thirteen (13) to register for our services.

Collection of information
We collect information on this Site that you provide to us. We also use "cookies" to collect information about Site usage and our users' browsing activities. We do not use "cookies" to collect or store nonpublic personal information. A "cookie" is a small text file that a Web browser places on the computer you are using to visit a Web site. You may modify the settings of your browser to prevent acceptance of "cookies." The information that we collect on this Site allows us to improve our marketing and promotional efforts, to statistically analyze Site usage, to improve our content and product offerings, and to customize our Site's content, layout and services.

In addition to the information described above, we also collect information we receive from you on applications or other forms, such as your address and social security number; information about your transactions with us or others, such as payment history and account balances; and information we receive from third parties, including consumer reporting agencies, such as your credit history and employment verification.

Whom does 1FBUSA disclose personal information to?

Within the 1st Financial Bank USA Organization. We may disclose all of the information we collect about customers, former customers and users of this Site, as described above, to companies with the 1FBUSA organization. These companies do not offer financial services directly but assist us with important risk management, legal, Internet, securitization and account-acquisition services.

Outside the 1st Financial Bank USA Organization. We may disclose all of the information we collect about customers, former customers and users of this Site, as described above, to individuals or companies that assist us in providing our products or services. We do not otherwise disclose any nonpublic personal information about our customers, former customers and users of this Site to anyone outside the 1FBUSA organization, except as permitted or required by law.

What are the policies of linked Sites and other third parties?

This Privacy Policy only addresses our use and disclosure of information we collect from you. You should be aware that when you are on this Site, you could be directed to other websites that are beyond our control. 1FBUSA is not responsible for the privacy practices of third parties or the content of those linked websites. We encourage you to read the posted privacy policy whenever interacting with any website.

What security measures does the Site employ?

We maintain physical, electronic, and procedural safeguards that are designed to guard your nonpublic personal information, including the information we collect on this Site. Our security procedures are aimed at preventing unauthorized access to such information and are reviewed and audited periodically for compliance with federal standards. To help protect the privacy of data you transmit through use of this Site, all communication from the moment you enter the Site is transmitted over a Secure Sockets Layer (SSL). 1FBUSA also requires users to access the Site with a browser that supports 128-bit encryption, such as the latest versions of Netscape Navigator and Microsoft's Internet Explorer.

How will I know about changes in the Privacy Policy?

1FBUSA reserves the right to update this Privacy Policy from time to time. Please visit this page periodically so that you will be apprised of any changes.

How to contact us?

If you have any questions about this Privacy Policy or the practices of this Site, you may request more information by writing to us at:

Privacy
1st Financial Bank USA
P.O. Box 7300
North Sioux City, SD 57049


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