Privacy Notice

Keeping financial information secure is one of our most important responsibilities. We value your trust and handle information about you with care. Access to Customer Information is limited to those associates who are responsible for providing and maintaining those services. Our associates are bound by a code of ethics requiring confidential treatment of Customer Information and are subject to disciplinary action if they fail to follow this code. We maintain physical, electronic and procedural safeguards to protect Customer Information. We continually assess new technology for protecting information and upgrade our systems when appropriate.

We collect and use various types of information to service your accounts, save you time and money, and better understand your needs. We want to help you learn more about products and services that may be of interest to you. Customer

From the President:

Trust is the cornerstone of the banking business. Since 1876, the people of First National Bank of Hutchinson have worked hard to earn your trust. We understand you have a choice in where you bank, and we want to be your First Choice.

A key part in earning your trust is being open about our policies and procedures. We want to share with you our privacy policies and the steps we take to protect your customer information. We want you to understand what information we collect, how we use it and how we protect it.

At First National Bank we value the trust you have placed in us. We promise to protect the privacy and security of your customer information, and to provide you with the responsive, professional service you deserve.

R.A. Edwards

Information we collect is categorized as the following six types:

Information you provide to us on applications and through other means, such as your assets, income and other debt.
Information about your transactions and account experience with us, such as your account balance, payment history, and parties to transactions or information about our communication with you, such as a request for a copy of a check.
Information from a consumer report, such as information regarding your creditworthiness or credit history.
Information from other outside sources regarding employment, credit or other relationships with you or verifying representations made by you, such as your employment history, loan or credit card balances or your property insurance coverage.
Other general information we obtain about you that is not assembled for the purpose of determining your eligibility for credit, insurance, employment or other products or services you request, such as demographic information.
If we receive medical or health information about a customer, for example, if a customer applies for insurance from us, it will not be shared except as necessary to maintain accounts, process transactions or provide services the customer has requested or initiated.

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

We may share all six types of Customer Information as needed with financial service providers such as insurance companies and payment processing companies, and nonfinancial companies such as check printing and data processing companies. These companies might assist us, for example, in fulfilling your service request, processing your transaction, or mailing account statements. In addition, we may share any of the six types of Customer Information with companies that work for us to provide marketing and other services or other financial institutions with whom we have joint marketing agreements. All of these companies act on our behalf, are contractually obligated to keep the information we provide to them confidential, and use the information only to provide the services we’ve asked them to perform for you and us.

We may also disclose any of the six types of Customer Information to credit bureaus and similar organizations, and otherwise when permitted by law. For example, this may include a disclosure in connection with a subpoena or similar legal process, a fraud investigation, recording of deeds of trust and mortgages in public records, an audit or examination, or the sale of your account to another financial institution.

Keeping your account information accurate and up-to-date is very important. We provide you with access to your account information through various means, such as account statements, telephone banking and online banking. If you ever find that your account information is incomplete, inaccurate or not current, please call or write to us at the telephone number or address listed on your account statement, bank records, or other documentation. We will promptly update or correct any erroneous information. If you have questions, or feel that we have not handled information about you properly, you may always contact us by calling Customer Service, and we will investigate your inquiry or complaint.

First National Bank of Hutchinson will provide notice of our privacy policy annually, as long as you maintain an ongoing relationship with us. This policy may change from time to time, but you can always review our current policy on our Web site at: fnbhutch.com, or contact us for a copy at 620-663-1521.

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