Privacy Policy

First Bank and Trust Company Privacy Policy, facts about how First Bank and Trust Company handles your sensitive information"
FACTS	What does First 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 Income Account balances Payment history Transaction history Credit 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 First Bank chooses to share; and whether you can limit this sharing.

First Bank and Trust Company Privacy Policy Section 2:Why First Bank and Trust Company Shares your personal information
Reasons we can share your personal information	Does First Bank Company 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 non-affiliates to market to you	No	We don't share

First Bank and Trust Company Privacy Policy Section 3: Contact information regarding any Questions.
Questions?	Call (620) 662-7858 or go to first-bank.net/home/home

First Bank and Trust Company Privacy Policy Part 4: Definitions
Definitions
What We Do
How does First Bank Company 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.
How does First Bank Company collect my personal information?	We collect your personal information, for example, when you Open an account Give us your contact information Pay us by check Give us your wage statement Make a wire transfer 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 non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
Affiliates	Companies related by common ownership or control. They can be financial and non financial companies. First Bank has no affiliates.
Non-affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. First Bank does not share with non-affiliates so they can market to you.
Joint Marketing	A formal agreement between non affiliated financial companies that together market financial products or services to you. First Bank doesn't jointly market.

First Bank Online Banking Privacy Policy

First Bank is committed to providing the highest level of security and privacy regarding the collection and use of our online banking customers' personal information, as well as that of all visitors to our web site. Personal information may be collected through the submission of account applications, online banking transactions, or through the use of online financial tools such as interactive calculators. A detailed description of First Bank's Online Banking Privacy Policy is provided below. If you have additional questions regarding the privacy of your personal information, contact us.

We do not knowingly solicit data from children, and we do not knowingly market to children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.

Respect of Right to Privacy
First Bank respects your right to privacy and takes every precaution to provide you with the same level of privacy within our virtual branch that you receive through more traditional bank delivery channels.

Collection and Use of Personal Information
The collection of personal information online is designed to protect access to your personal accounts and to assist the bank in providing you with the products and services you want and need. All personal information collected and stored by the bank is used for specific business purposes-to protect and administer your personal accounts and transactions, to comply with state and federal banking regulations, and to help the bank better understand your financial needs in order to design or improve our products and services.

Employing stringent security measures in the collection of your personal information, all First Bank online account applications are submitted to the bank's secure administration site through an encrypted direct line to the bank. Once received by the bank, only approved personnel may open and process the application. Furthermore, auditing mechanisms have been put into place to further protect your information by identifying which employee(s) has accessed and in any way modified-for example, updated or added to-your personal information.

Maintenance of Accurate Information
It is in the best interest of both you and the bank to maintain accurate records concerning your personal information. For this reason, First Bank allows you to update your personal information online, at anytime, through the submission of encrypted email requests sent to the bank's secure administration site. Notifications are immediately sent to approved bank personnel alerting them to the receipt of your request. This procedure allows First Bank to update your personal information within a timely manner.

Limited Employee Access to Personal Information
First Bank limits employee access to your personal information to only those bank administrators with a business reason for knowing such information. First Bank also educates all employees about the importance of confidentiality and customer privacy. In addition, individual user names and passwords are used by approved bank personnel to access your personal information online, providing audit trails to further safeguard the privacy of your personal information.

Third-Party Disclosure Restrictions
First Bank follows strict privacy procedures in regard to protecting your personal information. In addition, the bank requires all third parties with a business need to access this information to adhere to similar and equally stringent privacy policies. Personal information may be supplied to a third party in order to process a customer transaction; if the customer requests it; the disclosure is required or allowed by law (i.e. exchange of information with reputable reporting agencies, subpoena, or the investigation of fraudulent activity, etc.); or for marketing purposes of which the customer has been previously informed and has been given the opportunity to decline.

Disclosure of Privacy Policies
First Bank is committed to ensuring the privacy of its customers' personal information. For more information regarding the First Bank Online Banking Privacy Policy, contact us.

If you wish to make a change to your login or accounts, please contact us at 620-278-2161. Username and password information may be deleted upon request, however, deleting this information will revoke your online banking access. Information such as your usage history, account information, and banking activity will be retained in compliance with regulatory guidelines.

Welcome to Internet Bill Pay

ELECTRONIC BILL PAYMENT AUTHORIZATION

I AUTHORIZE my financial institution to post payment transactions generated by phone and/or PC from the Bill Paying Service to the account indicated on the form being sent electronically. I understand that I am in full control of my account and that my 100% satisfaction is unconditionally guaranteed. If at any time I decide to discontinue service, I will provide written notification to my financial institution. My use of the Bill Paying Service signifies that I have read and accepted all terms and conditions of the Bill Paying Service.

I UNDERSTAND that payments may take up to 10 business days to reach the vendor and that they will be sent either electronically or by check. My financial institution is not liable for any service fees or late charges levied against me. I also understand that I am responsible for any loss or penalty that I may incur due to lack of sufficient funds or other conditions that may prevent the withdrawal of funds from my account.