FINANCIAL PRIVACY NOTICE

It is our mission to provide uncompromising customer service. A significant part of customer service is to protect your privacy. We are pleased to explain our position regarding the safeguarding of your financial information.

Russell L. Reinert
Executive Vice President,
Chief Financial Officer

 

LOCATIONS

Hutchinson

CENTRAL PLAZA EAST
700 East 30th
620-663-0666

CENTRAL PLAZA WEST
624 East 30th
620-663-0680

DOWNTOWN
101 West Ave. A
620-663-0641

EAST
1330 East 17th
620-663-0685

Wichita

CENTRAL & RIDGE
7137 West Central
316-945-9600

CENTRAL BANK AT WILSON ESTATES
8411 East 21st Street N.
316-634-0101

 

MEMBER FDIC

Central Bank and Trust Co. does not share or sell information about our customers to outside companies other than to provide products and services to you. In every case in which information is provided, the companies are obligated to use the information as contracted and to keep this information confidential.

We are proud of our long-standing privacy policy. We will 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.

This privacy notice is provided to you as required by Federal law. It simply documents for you our long-standing privacy practices. If you have any questions after reviewing this notice, please don't hesitate to contact us at 620-663-0670.

Information We Collect

We collect "nonpublic personal information" from the following sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from a consumer-reporting agency.

"Nonpublic personal information" is information not publicly available, which we have obtained in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history or 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 and offer additional product services for your specific needs.

Information We Disclose

Sharing of Information with Nonaffiliated Third Parties: Except as permitted by law, we do not sell or disclose to anyone nonpublic personal information about our customers or former customers.

Sharing Information in other Situations

In other circumstances permitted by law, we may share information we collect with nonaffiliated third parties. This includes the sharing of information:

• to government entities when required by law, such as in response to a subpoena or other legal process;
• to credit bureaus;
• to assist in servicing your loan or account; 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.

If you apply for insurance from us, we may receive medical information related to your past or present health or condition. This information is shared only with the affiliates who require access to this information in order to process the application or provide services you have requested. Other areas such as trust services have additional standards of confidentiality that protect your information.

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

Security Procedures

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

Changes to this Privacy Notice

We will provide this Privacy Notice to you on an annual basis as long as you remain a customer. This Privacy Notice may change from time to time, but you can always review the current notice on our Web site at www.centralbank-kansas.com, or call 620-663-0670.

 

PRIVACY ON THE WEB

Privacy Policy

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, www.centralbank-kansas.com.

Use, Collection and Retention of Customer Information

When you first visit www.centralbank-kansas.com, you do so anonymously. We do not collect identification information about you. We collect only summary information about the numbers of individuals who visit our site. Cookies used on our site expire when you log out of the session.

Protection of Information via Established Security Procedures

We maintain appropriate security standards and procedures regarding unauthorized access of customer information. We are concerned about protecting the integrity, accuracy, privacy and confidentiality of your data.

Email

We recommend that you do not send us, or anyone else, confidential information such as social security or account numbers via unsecured email.

Your Role in Security

It is important that you protect against unauthorized access to your accounts. We recommend you do not share your password. We also recommend that you exit any applications immediately when finished using the Web site.

Other Ways to Protect Your Privacy

Marketing Lists

Please note that this additional resource information is being provided as a service to you. Central Bank and Trust Co. is not affiliated with any of these resources and cannot guarantee the effectiveness of their services.

You can help reduce the amount of marketing material and credit applications you receive from outside sources via mail, telephone or e-mail by writing the Direct Marketing Association at the address listed below. You must provide your name, address and telephone number with your request. Direct Marketing Association may charge a small fee for these services.

For advertising received by mail: Mail Preference Service c/o Direct Marketing Association P.O. Box 9008 Farmingdale, NY 11735-9008

For advertising received via telephone: Telephone Preference Service c/o Direct Marketing Association P.O. Box 9014 Farmingdale, NY 11735-9014

E-mail Preference Service: www.dmachoice.org

If you would like to have your name removed from all pre-approved credit solicitations you can write to the following credit reporting agencies or call 1-888-5OPTOUT (1-888-567-8688). Please include your full name, current address, social security number and telephone number.

Experian Consumer Opt-Out 901 West Bond Lincoln, NE 68521

Equifax, Inc. Options P.O. Box 740123 Atlanta, GA 30374-0123

TransUnion Name Removal Option P.O. Box 97328 Jackson, MS 32988-7328

Identify Theft

Identity Theft is a serious and growing problem. If someone has fraudulently used your identification to establish credit, report the incident as quickly as possible to each of the credit reporting agencies listed below and ask that a fraud report be placed on your file.

Experian	888-397-3742	www.experian.com	P.O. Box 9532, Allen TX 75013
Equifax	800-525-6285	www.equifax.com	P.O. Box 740241 Atlanta GA 30374-0241
Trans Union	800-680-7289	www.transunion.com	Fraud Victim Assistance Division; P.O. Box 6790, Fullerton, CA 92834-6790

You should also check to see if any additional credit accounts have been opened without your consent or whether unauthorized charges have been billed to your accounts. To obtain a copy of your credit report from any of the three major credit bureaus, visit www.annualcreditreport.com; call 877-322-8228 or write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.