WHAT DOES FIRSTOAK BANK DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and income
  • account balances and transaction history
  • credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons FirstOak Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does FirstOak Bank share? Can you limit this sharing?
For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus 		Yes No
For our marketing purposes—
to offer our products and services to you		 Yes No
For joint marketing with other financial companies No We don’t share
For our affiliates’ everyday business purposes—
information about your transactions and experiences		 No We don’t share
For our affiliates’ everyday business purposes—
information about your creditworthiness		 No We don’t share
For our affiliates to market to you No We don’t share
For nonaffiliates to market to you No We don’t share

Who we are: Who is providing this notice?

FIRSTOAK BANK MAIN
113 N. PENN AVE.
INDEPENDENCE, KS 67301
(620) 331-2265

FIRSTOAK BANK
1801 WEST MAIN ST.
INDEPENDENCE, KS 67301
(620) 331-7733

FIRSTOAK BANK PUEBLO
1419 HWY 50 WEST
PUEBLO, CO 81008
(719) 544-2265

FIRSTOAK BANK Fredonia
501 Madison
P.O. Box 480
Fredonia, KS. 66736
(620) 378-2114

FIRSTOAK BANK ELK CITY
106 E. Hickory
Elk City, KS 67344
phone (620) 627-2105

How does FirstOak Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does FirstOak Bank collect my personal information?

We collect your personal information, for example, when you

  • open an account or make deposits or withdrawals from your account
  • pay your bills or apply for a loan
  • use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates – Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • FirstOak Bank has no affiliates

Nonaffiliates – Companies not related by common ownership or control.   They can be financial and nonfinancial companies.

  • FirstOak Bank does not share with nonaffiliates so they can market to you

Joint marketing  – A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • FirstOak Bank doesn’t jointly market

Questions? Call 620-331-2265 or 719-544-2265