Privacy Policies and Practices

Notice regarding the privacy of your financial information

Introduction:

First Bank Financial Centre is committed to protecting the privacy of our customers. We recognize our customer's expectation that information provided to us by our customers or obtained by us about our customers will be safeguarded by us. Keeping your information confidential and secure is an important part of our responsibility to you. It is our commitment to protect our customers who entrust us with their most personal information so that we can provide you, our customer, with the services you require. For this reason we do not disclosure any nonpublic personal information about our customers or former customers to anyone except as permitted by law.

This notice is intended to describe how we collect, maintain and disclose customer information. This notice may be amended from time to time at our discretion with appropriate notice to you. If you have any questions, comments or complaints about the privacy of information about you, please contact us at First Bank Financial Centre, 155 W Wisconsin Ave. P.O. Box 1004, Oconomowoc, WI 53066 or call us at (262) 569-9900.

Understanding the Terminology Used in this Notice

Throughout this notice we may use terms unfamiliar to you. Below are a few definitions that will help you better understand the contents of this notice.

We, Our, Us
Refers to First Bank Financial Centre and its affiliates.

You, Your, Customer
Refers to an individual who obtains or has obtained a financial product or service from us that is to be used primarily of personal, family or household purposes, or that individual's legal representative, such as a deposit account, loan, safe deposit box, or Individual Retirement Account.

Non-public Personal Information
Refers to information collected as a result of providing a financial product or service to you. Non-public personal information does not include information that is available from public sources, such as telephone directories or government records.

Affiliates
Includes companies related to First Bank Financial Centre through common control or ownership.

Non-affiliated Third Parties
A company that is not affiliated with First Bank Financial Centre, but with whom we may have a special arrangement or joint marketing agreement.

Non-public Related Information We Collect
We collect non-public personal information about you from the following sources:

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

Disclosure to Non-affiliated Third Parties
We do not currently disclose non-public personal information about you to a non-affiliated third party.

We do not disclose non-public personal information about you to other non-affiliated third parties as permitted by law.

Disclosure of Former Customers
When you no longer have a continuing relationship with us, that is, when you do not have any active products or services with us, we discontinue sharing information about you according to this notice.

Protecting Children Online
First Bank Financial Centre feels it is extremely important to guard the identity and privacy of children and we encourage parents to supervise their child's interactions online. We do not intentionally market to or solicit personal information from children under the age of 13. In the event that we receive personal information from a child whom we know to be under 13, we will only use that information to respond directly to that child or seek parental consent.

Protecting Your Privacy and Confidentiality
Protecting your non-public personal information is a function of our job we take seriously. We restrict access to your personal account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information.

This notification is designed to comply with the privacy provisions in Title V of the Gramm-Leach-Bliley Act, including applicable federal privacy regulations issued as part of Act. You and your privacy are important to us. We hope this information has been helpful in understanding the steps we take to safeguard your personal information. Please feel free to contact us if you have any questions, comments or complaints about privacy of your information to the address stated above.

Do Not Call Policy

The Federal Communications Commission (FCC) and the State of Wisconsin have established a "Do-Not-Call" registry and other regulations pursuant to the Telephone Consumer Protection Action (TCPA). The impact of the FCC regulations is to prohibit all commercial telemarketers from calling any phone number on the registry without being subject to financial penalties.

It is the policy of First Bank Financial Centre to adhere to all of the provisions of these regulations by implementing this policy and subsequent procedures.

First Bank Financial Centre does not initiate telemarketing activities to non-commercial prospects other than individuals with whom we have an established banking relationship, as that term is defined in the FCC's Do-Not-Call rule and in the statute.

If you wish to be placed on First Bank Financial Centre's "Do-Not-Call" list, as well as our "Opt-Out" list, you may do so by phone at (888) 569-9909, or by US Mail at First Bank Financial Centre, Marketing Department, 155 W. Wisconsin Avenue, Oconomowoc, WI 53066-6004.

Children's Online Privacy

The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to Websites and services directed to, and which knowingly collect information from, children under the age of 13. First Bank Financial Centre's Websites and online services are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections, visit the Federal Trade Commission's Website.

USA PATRIOT ACT

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING OR CHANGING AN ACCOUNT WITH FIRST BANK FINANCIAL CENTRE

Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.

What This Means to You

When you open an account or change an existing account at First Bank Financial Centre, we will ask each person for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them. We will ask to see each person's driver's license and other identifying documents and copy or record information from each of them.

CAN-SPAM

It is the Policy of First Bank Financial Centre to adhere to all provisions of CAN-SPAM (Controlling the Assault of Non-Solicited Pornography and Marketing Act).

It is the policy of First Bank Financial Centre that our email systems and resources must adhere to the following guidelines of the Act:

Prohibit the use of false or misleading transmission information;
Prohibit the use of deceptive subject headings;
That a functioning email return address or other Internet-based response mechanism is used;
That commercial email messages be discontinued within ten (10) business days after receipt of an opt out notification from recipient;
Require the email message to contain:
- Clear and conspicuous identification that the message is an advertisement or solicitation;
- Provide the recipient an opportunity to decline to receive further commercial email messages from the sender; and
- A valid physical postal address of the sender.
Prohibit address harvesting, dictionary attacks, and hijacking;
Prohibits any person from knowingly relaying or retransmitting a commercial email message that is unlawful;
Require warning labels (in the subject and within the message body) on commercial email messages containing sexually oriented material; and
Prohibit a person from promoting or allowing the promotion of that person's trade or business, or goods, products, property, or services in an unlawful commercial email message.

Removal Requests

Opt out instructions are included at the end of each email sent out. If you would like to opt out, please send an email to marketing@fbfcwi.com with Opt Out in the subject line. Your email address will then be promptly and permanently removed from all existing databases, and you will not receive any future emails.

You may also contact us by phone at (888)569-9909, or by US Mail at First Bank Financial Centre, Marketing Departments, 155 W. Wisconsin Avenue, Oconomowoc, WI 53066.