First National Bank in Pratt - Working for You!

We are proud of our long-standing policy to not share or sell information about our customers. We realize the significant value of our customer relationships and would not, in any way, jeopardize your privacy and confidentiality.

First National Bank in Pratt does not share or sell information about our customers to outside companies. The only information we provide is which is required to provide products and services on your behalf. In every case in which information is provided, the companies are obligated to use the information we collect only for the services we have asked and to keep this information confidential.

This privacy notice is provided to you as required by the Federal Law. It simply documents for you our long-standing privacy practices. If you have any questions after reviewing this notice, please do not hesitate to contact us toll free at 1-800-300-3817 or (620) 672-6421, extension 0.

We collect “nonpublic personal information” about you from the following sources:

Information we receive from you on applications or other 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” is information about you that we obtain in connection with providing a financial product or service to you that is not available publicly. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history.

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.

Sharing of Information with Nonaffiliated Third Parties
We do not sell nonpublic personal information to anyone, and do no disclose nonpublic personal information about our customers or former customers to anyone, except as permitted by law. A nonaffiliated third part is a third party that is not a member of our corporate family.

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 other information we collect only for the services we have asked 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 customer database to another financial institution, such as the sale of mortgage servicing rights.

Sharing Information with Our Affiliates
First National Bank in Pratt works with other companies and affiliates, including financial service providers such as a bank, brokerage, and non-financial companies. The First National Bank in Pratt works with these companies to provide the products and services you want and need (a list of these affiliated companies is found at the end of this Privacy Commitment). We are permitted under law to 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.

You may instruct us not to share this information (other than information related to you account history and our experience with you) with our affiliates by either writing us at First National Bank in Pratt Fair Credit Reporting Act OptOut, P.O. Box N, Pratt, Kansas 67124 or calling us toll free at 1-800-300-3817 or (620) 672-6421 in Pratt. Please make sure you include with your request, whether you make it by mail or telephone, 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.

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 is shared, only with those affiliates who require access to this information in order to process the application or provide the services you have requested. Additional standards of confidentiality protect information related to trust and fiduciary services.

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

First National Bank in Pratt is committed to the security of your financial and personal information. We restrict access to nonpublic personal information about you to those 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.

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. 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.

In addition to the protections afforded all of our customers in this Privacy Policy, the following privacy principles apply to the use of our Web Site and our Internet banking product, FNBOnline.

When you visit www.fnbpratt.com and our Internet banking product FNBOnline, 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.

We respect the privacy of our 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 eighteen through FNBOnline.

We recommend that you do not send us confidential information, such as social security or account numbers, via unsecured e-mail.

It is important that you protect against unauthorized access to your accounts. We recommend that you do not share your passwords or pin numbers with anyone and that you exit any applications when you finish using them.

Customers who have questions about this privacy notice or have a question about the privacy of their customer information should visit First National Bank in Pratt located at 223 South Main Street , Pratt , Kansas or call our toll free phone number 1-800-300-3817 or locally at (620) 672-6421, extension 0.



	Our Privacy Commitment We are proud of our long-standing policy to not share or sell information about our customers. We realize the significant value of our customer relationships and would not, in any way, jeopardize your privacy and confidentiality. First National Bank in Pratt does not share or sell information about our customers to outside companies. The only information we provide is which is required to provide products and services on your behalf. In every case in which information is provided, the companies are obligated to use the information we collect only for the services we have asked and to keep this information confidential. This privacy notice is provided to you as required by the Federal Law. It simply documents for you our long-standing privacy practices. If you have any questions after reviewing this notice, please do not hesitate to contact us toll free at 1-800-300-3817 or (620) 672-6421, extension 0. What Information We Collect We collect “nonpublic personal information” about you from the following sources: Information we receive from you on applications or other 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” is information about you that we obtain in connection with providing a financial product or service to you that is not available publicly. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history. 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. What Information We Disclose *Sharing of Information with Nonaffiliated Third Parties* We do not sell nonpublic personal information to anyone, and do no disclose nonpublic personal information about our customers or former customers to anyone, except as permitted by law. A nonaffiliated third part is a third party that is not a member of our corporate family. *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 other information we collect only for the services we have asked 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 customer database to another financial institution, such as the sale of mortgage servicing rights. *Sharing Information with Our Affiliates* First National Bank in Pratt works with other companies and affiliates, including financial service providers such as a bank, brokerage, and non-financial companies. The First National Bank in Pratt works with these companies to provide the products and services you want and need (a list of these affiliated companies is found at the end of this Privacy Commitment). We are permitted under law to 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. You may instruct us not to share this information (other than information related to you account history and our experience with you) with our affiliates by either writing us at First National Bank in Pratt Fair Credit Reporting Act OptOut, P.O. Box N, Pratt, Kansas 67124 or calling us toll free at 1-800-300-3817 or (620) 672-6421 in Pratt. Please make sure you include with your request, whether you make it by mail or telephone, 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. 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 is shared, only with those affiliates who require access to this information in order to process the application or provide the services you have requested. Additional standards of confidentiality protect information related to trust and fiduciary services. If you decide to close your account or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice. Our Security Procedures First National Bank in Pratt is committed to the security of your financial and personal information. We restrict access to nonpublic personal information about you to those 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. 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. 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. Privacy on Our Web Site In addition to the protections afforded all of our customers in this Privacy Policy, the following privacy principles apply to the use of our Web Site and our Internet banking product, FNBOnline. Use, Collection, and Retention of Customer Information When you visit www.fnbpratt.com and our Internet banking product FNBOnline, 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. Children’s Information We respect the privacy of our 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 eighteen through FNBOnline. E-Mail We recommend that you do not send us confidential information, such as social security or account numbers, via unsecured e-mail. Your Role in Security It is important that you protect against unauthorized access to your accounts. We recommend that you do not share your passwords or pin numbers with anyone and that you exit any applications when you finish using them. Affiliates of First National Bank in Pratt: Pratt Community Bancshares, Inc. Customers who have questions about this privacy notice or have a question about the privacy of their customer information should visit First National Bank in Pratt located at 223 South Main Street , Pratt , Kansas or call our toll free phone number 1-800-300-3817 or locally at (620) 672-6421, extension 0. Back to Our Disclosures Index

	DISCLAIMER Product offers, rates, terms and other information provided herein are subject to change without notice. Due to occasional inaccessibility to our web site, First National Bank cannot guarantee the completeness or accuracy of the information provided herein. The information provided to you in Calculators is estimated, and provided solely for your interactive enjoyment. The results are not guaranteed to be accurate, and in no way endorsed, offered or guaranteed by First National Bank. The appropriate disclosures will be mailed to users who open accounts with First National Bank. You may request these documents before opening your account(s), or verify current offers, by calling 620-672-6421.