Privacy Policy

This notice contains important information about First Bank of Newton’s policies and practices regarding the collection, use, retention, and security of nonpublic personal information concerning those customers who obtain a financial product or service from us that is to be used primarily for personal, family or household purposes.

This privacy notice is provided to you as required by Federal law. It simply documents for you our long-standing privacy practices. Please read and keep this notice with your important account records. If you have any questions after reviewing this policy, please do not hesitate to contact us at 316-283-2600 or 1-888-283-2611. First Bank of Newton is the full legal name of First Bank, located in Newton and Hesston.

1. First Bank of Newton believes that the confidentiality and protection of customer information is one of our fundamental responsibilities. We do not share or sell information about our customers to outside companies. The only information we provide is that which is required to provide products and services on your behalf. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers’ trust. Thus, the safekeeping of customer information is a priority for First Bank of Newton.

2. We collect "nonpublic personal information" about you from the following sources:

• Information we receive from you on online and paper applications or other loan and account forms, such as Social Security number, assets, income and debts.
• Information about your transactions with us, our affiliates or others, such as account balance, payment history, parties to transactions and credit card usage;
• Information we receive from third parties, i.e., credit bureaus, such as your creditworthiness and credit history;
• Information from other outside sources for the purpose of verifying representations made by you, such as employment history, loan or credit card balances or your property insurance coverage; and
• Other general information we obtain about you such as demographic information.

"Nonpublic personal information" means any personally identifiable financial information about you, including information about you on a list that is not publicly available.

We will always limit our collection of information to that which we believe is necessary to conduct our business properly, provide excellent service to you, and to offer you additional products and services that we believe will be of interest to you.

3. We may disclose all of the information that we collect, as described above as follows:

Sharing of Information with Nonaffiliated Third Parties
A nonaffiliated third party is a third party that is not a member of our corporate family. We do not sell nonpublic personal information to anyone, and do not disclose nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

Sharing of Information with Companies that Work for Us
We may disclose all of the information we collect, as described above, to nonaffiliated third parties (i.e., third parties that are not members of our corporate family) that provide products and services for us. These companies may perform marketing services on our behalf, supply products and services to you (such as check printing and data processing companies), or are other financial institutions with which we have joint marketing agreements. All of these companies are obligated to use the information we collect only for the services we have asked for and to keep this information confidential.

Sharing Information in Other Situations
In other circumstances permitted by law, we may share information we collect with nonaffiliated third parties. These include the sharing of information:

• to government entities when required by law, such as in response to a subpoena or similar legal process;
• to credit bureaus;
• to assist us in servicing your loan or account with us; and
• in connection with the sale of your account and related consumer database to another financial institution, such as the sale of mortgage servicing rights

Sharing Information with Our Affiliates
Affiliates are those companies related to us by common control or ownership. A list of these affiliated companies is found at the end of this notice. Although we do not currently do so, we may, as permitted by law, share information about our experiences or transactions with you or your account (such as your account balance and your payment history with us) with these affiliates. We also may share additional information about you or your account (such as information we receive from you in applications and information from credit reporting agencies) with our affiliates.

4. You may instruct us not to share this information (other than information related to your account history and our experience with you) with our affiliates by mailing or hand-delivering a written request to:

First Bank of Newton
Attn: Fair Credit Reporting Act Opt-Out
128 E. Broadway
P.O. Box 587
Newton, KS 67114

Please make sure you include, with your request, your entire name, full address, social security number, telephone number and account number. If your account is a joint account, please include the name and social security number for each account owner who also does not want us to share this information.

This instruction will remain in effect until revoked in writing. It is not necessary to provide this request annually.

5. We may receive medical information, such as information related to your past or present physical health or condition, if you apply for insurance from us. This information will not be shared with anyone other than the issuing insurance company in order to process the application or provide the services you have requested.

6. If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy polices and practices described in this notice.

7. At First Bank of Newton we continually strive to maintain complete and accurate information about you and your accounts, in keeping with reasonable commercial standards. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

8. We restrict access to your nonpublic personal information to those of our employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

9. First Bank of Newton is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

10. When we do provide customer information to a third party, we will insist through a written agreement that the third party adhere to privacy principles similar to those to which First Bank of Newton adheres for keeping this information confidential.

11. Affiliates of First Bank of Newton:

INTRUST Bank, N.A.
First National Bank in Pratt
Fidelity State Bank & Trust
Federal Home Loan Bank of Topeka

12. First Bank of Newton recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. We will provide notice of First Bank of Newton’s privacy policy to you on an annual basis as long as you remain a customer. This privacy notice and the names of affiliates may change from time to time, but you may always request a copy by calling one of the numbers listed below.Customers who have questions about this privacy notice or have a question about the privacy of their customer information should call or visit First Bank of Newton at:

Main Bank: 128 E. Broadway, 283-2600
Newton Branch: 1404 S. Kansas, 283-3700
Dillons Branch: 1216 N. Main, 283-2601
Hesston Branch: 347-A N. Old Hwy 81, 620-327-2600
Toll Free: 1-888-283-2611
E-Mail: info@firstbankks.com

(2/07)

PRIVACY ON OUR WEB SITE

In addition to the protections afforded all of our customers in this privacy notice, the following privacy principles apply to the use of our web site and Internet product, First Online.

Use, Collection and Retention of Customer Information
When you first visit First Online, you do so anonymously. We do not collect identifying information about you. We collect only summary information about the numbers of individuals who visit our site and what those individuals look at. Cookies used on our site expire at the end of your session. They are only used during the session to provide access to your accounts after you have logged into the site. We collect this information to develop and provide products, services, and other opportunities to our customers.

Protection of Information via Established Security Procedures
We maintain appropriate security standards and procedures regarding unauthorized access to customer information. Your data is stored encrypted on servers or in cookies. We are committed to protecting the integrity, accuracy, privacy and confidentiality of your data.

Email
Messages sent via email within First Online and from other sources may not be secure. Therefore, we recommend that you do not send us confidential information such as social security or account numbers via unsecured email.

Aggregation Services
Aggregation services consolidate your account information from several sources. If you choose to use an aggregation service, you are providing an aggregator with your authentication information that could result in unauthorized access and use of your confidential account information by the aggregator of a third party if adequate controls are not in place. Therefore, you should ensure that the aggregation company has appropriate processes in place to ensure the privacy and security of your information.

Your Role in Security
It is important that you protect against unauthorized access to your accounts. We recommend that you do not share your password and that you exit any applications when you finish using them.

Children's Information
We respect the privacy of your children and we comply with the practices established under the Children's Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from customers under the age of thirteen through First Online.