Statement of Purpose
The purpose of the Privacy Policy is to protect the security and confidentiality of information pertaining to bank customers by providing a guideline that effectively secures bank customer information from unauthorized access. The confidentiality of customer records is a basic ingredient of banking and this privacy policy is formulated to maintain the tradition of trust between the Kansas State Bank and it’s customers. This notice accurately summarizes our policies and practices regarding the collection, use, retention, and security of nonpublic personal information of our customers who obtain a financial product or service from us that is to be used primarily for personal, family or household purpose.

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

• Information we receive from you on applications or other loan or deposit account forms;
• Information about your transactions with us, our affiliates, or others
• Information we receive from third parties such as credit bureaus.

“Non-public personal information” means any personally identifiable financial information about you that is not publicly available.

Information Disclosed
We do not disclose, and do not reserve the right to disclose, nonpublic personal information about our customers or former customers to any affiliates or to any third parties, except as permitted by law. We are permitted under law to disclose nonpublic personal information about you to our affiliates and third parties in certain circumstances, such as to complete the normal course of transactions which you have requested.

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy practices and procedures described herein.

Security Procedures
We restrict access to nonpublic personal information about you to those of our employees who need to know that information in order 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.

Online Security
Security is a primary concern with Internet Banking. Kansas State Bank realizes and appreciates the trust and confidence you have placed in us. Our online banking service provider, NetTeller, and we have worked diligently to assure that your privacy is safeguarded. We have taken several steps to ensure your online security, including:

• All of our internet servers use firewalls, data encryption and virus protection to protect your personal information, and all transmissions are encrypted. New technologies are constantly being researched and incorporated into our safety measures.
• Account numbers are not displayed over the Internet. You may choose your own personal descriptive name to identify each of your accounts.
• Every user of NetTeller has a unique ID and PIN. If an incorrect PIN is entered 3 consecutive times, the account will be locked, and you must call the Bank to have the PIN reset.
• If you are logged in to NetTeller, but do not perform any activity for 10 minutes, you will be automatically logged off, and will need to re-enter your ID and PIN to reconnect.

There are several steps that you can also take to ensure the security and privacy of your personal information:

• Always use 128-bit SSL encryption in either Microsoft Internet Explorer or in Netscape Navigator.
• Keep your ID and PIN number confidential. Change it frequently.
• Do not leave your computer unattended while logged into NetTeller and log off your session before visiting other websites. Close your browser when you are done with your online banking session.
• Report any suspicious activity to the Bank or law enforcement officials immediately.