USA PATRIOT ACT

The USA PATRIOT ACT was created to unite and strengthen America Against terrorism. This act effects many businesses and organizations and went into effect October 1, 2003. These guidelines are designed to deter crimes such as fraud and identity theft, which are often used by terrorists to fund their operations. To protect you, and to fight terrorism, it is necessary for us to obtain, verify and record information regarding your identity. This includes all personal and commercial accounts including loan and deposit accounts, as well as trust, brokerage, insurance and investment management accounts.

What This Means to Our Customers
When you open an account, you will be asked for your name, address, social security or tax identification number, date of birth (if applicable) and other information that will allow First Farmers Bank to identify you when conducting transactions. You will also be asked to furnish your driver's license or other identifying documents. We will follow this procedure each time an account is opened, even if you are a current customer of First Farmers Bank . We appreciate your cooperation and understanding as we protect your account information and our country.