First Bank & Trust Co. has policies and procedures put into place to help protect your privacy and your financial records, as well as protect the bank from fraudulent activity.  Two such policies are the Privacy Policy and the Customer Information Policy.  Please read each and contact us with any questions or concerns you may have.

Privacy Policy

POLICY STATEMENT
The directors, management, and staff of First Bank & Trust Co. have a duty to protect the confidential nature of customers' financial records.  We want you to understand what information we collect and how we use it.  In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information.  The following policy serves as a standard for all First Bank & Trust Co. employees for collection, use, retention, and security of nonpublic personal information for consumers and those consumers who become our customers.

TYPES OF INFORMATION THE BANK COLLECTS
At First Bank & Trust Co. we collect nonpublic personal information about you from the following sources:
                Information we receive from you on applications or other forms;
                Information about your transactions with us or others; and
                Information we receive from a consumer-reporting agency.
"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you.  For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history.

TYPES OF INFORMATION THE BANK DISCLOSES
A.  We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances.  For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus.  We do not disclose any nonpublic personal information about you, except as permitted by law.
B.  We do not use or share - internally or externally - personally identifiable medical or health information for any purpose except to process transactions or to provide services you have requested.  For example, information provided on an application for credit life or disability insurance.
C.  If you become a former customer of First Bank & Trust Co. or your account becomes inactive, we will continue to adhere to the privacy policies and practices described in this notice.

OUR SECURITY PROCEDURES
We also take steps to safeguard customer information.  Our employees access information about you and only when needed to maintain your accounts or to provide products or services to you.  Employees who violate these standards will be subject to disciplinary measures.  We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information.

INTERNET AND ELECTRONIC BANKING POLICY
The bank does not collect information about visitors to our web site.  The applications and transactions the bank accepts electronically (online, by phone or fax, or via our automated teller machines) are all subject to the bank's general privacy policy.  If you choose to contact us via e-mail, please keep in mind that your e-mail address, and any other information your e-mail header show about you, such as your name or organization, will be revealed to us in the e-mail.  We pledge, however, that when you communicate with us via e-mail, we will use your e-mail information only for the specific purpose of responding to your comments or questions.  You e-mail address will not be sold, nor will it be shared with others outside the bank unless we are compelled to do so by law.  "Cookies" are used to estimate our audience size.  Each browser accessing our site is given a unique cookie, which is then used to determine whether a user is a first-time visitor or a return visitor.  The bank will use encryption devices to ensure that customers' transactions over the Internet are safe and secure.

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.

For your convenience the bank's web site contains many links to web sites of third parties.  These sites may contain information that is copyrighted with restrictions on reuse.  Permission to use copyrighted materials must be obtained from the original source.  By placing a link to a site, we are not endorsing or guaranteeing it.  The bank has no control over the content on third-party sites and makes no representations or warranty regarding its accuracy.

First Bank & Trust Co. 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.  Customers who have questions about our privacy policy or have a question about the privacy of their information should call the First Bank & Trust Co. at 580-255-1810 or e-mail us at info@1stbanknet.com.

Customer Information Policy

To help the government fight the funding of terrorism and money laundering activities, the USA Patriot Act, A Federal law, requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account including business accounts.  What this means for you:  When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see your driver's license or other identifying documents.  If you are opening an account for a business entity, documents relating to the business may also be requested.