Patriot Act

By utilizing Digital Certificate technology, First National Bank and Trust Company ensures the accuracy and security of any data that is transmitted to us using our secure forms. Digital encryption technology utilizes a long set of codes to scramble and then decode information. A digital key is simply a very special number or group of numbers that is carefully chosen to have certain mathematical properties. Depending on the encryption algorithm being used the key may be a large random number or a set of related numbers. These keys are the basis of on-line identity verification. Once information has been scrambled using the public set of codes for First National Bank and Trust Company , the only place they can ever be decoded is on our Secure Server. This data is not shared with or sold to any other institution or group.

Another very important part of this technology has to do with secure browsers. Most modern browsers easily handle encryption codes, however if you are using an older version of the software, it would be wise to upgrade now. Then you know you have the best security protection available. To test your current browser, see the information below. There are several ways to tell if the security is working. A small window may pop up to tell you that this is a secure link and do you want to continue...
When it does switch over to a secure link, look at the link address up in the location window of your browser. Instead of the usual http:// you will notice that it has changed to https:// The 's' denotes Secure Mode. If that does NOT show up, you are not in secure mode.
Most browsers also have a small graphic that will pop up and stay in the lower right hand corner of the browser window to denote that you are browsing in a secure mode. A picture of a lock, similar to the one used in our secure graphic, is a good example.


Test your browser now by clicking here. TEST

If you do not see that it is performing the security based on the notes above, please feel free to download a newer version of the browser now. Click on the picture of your choice.



The Loan, Membership and Credit applications on our site are all using this secured technology. Please note that e-mails are not secure transmissions so remember never to send account numbers, social security numbers or any other information you would like to keep private to or anyone else in an email message.

FIRST NATIONAL BANK AND TRUST s history began in 1882, and today, FIRST NATIONAL BANK AND TRUST ranks among the nations oldest privately held financial institutions. For more than 120 years, our commitment to our customers has remained unchanged. We will continue to help you build financial security by providing you with expert advice and a wide range of quality products and services. We will also continue to serve you with the highest level of integrity and discretion at all times.

Keeping your customer information confidential and secure is an important part of our responsibility to you and we take this responsibility very seriously. In this notification, we describe the policies and practices through which we protect your customer information, and provide you with options about how your information may be shared within FIRST NATIONAL BANK AND TRUST and with others as required or permitted by law -- including those who may work with us to better serve your needs.

Please read on to learn more about the ways in which we are working to protect your privacy. We recognize and value the trust you have placed in us, and as always, we will continue to serve you with integrity and respect in the years to come. Thank you for being part of the First National Bank and Trust family. Background Note: The privacy policies and practices described here apply to the entities listed on the following pages. These policies may be amended at any time. We will keep customers informed of any applicable changes at least annually, or as required by law.

Some of the terms used in this notification include the following:

"Nonpublic personal information" refers to customer information available to FIRST NATIONAL BANK AND TRUST through the collection of information described in this notification. "Customer" refers to individuals who apply for or use products and services provided through the entities listed in this notification, or have done so in the past. We refer to our affiliates as members of the First National Bank and Trust family "Nonaffiliated third parties" include third parties that are not members of our corporate family, but with whom we may have a special arrangement or joint marketing agreement. "Cookies" are small files a Web site installs on your hard drive, which contain technical and personal information and enable you to use our online applications or transactions. They also help protect the privacy of your online transactions.

"Web site" is a site (or location) on the World Wide Web. Each Web site contains a home page, which is the first document you see when you enter the Web site. The site might also contain additional documents and files. Each Web site is owned and managed by an individual, company or organization.

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 that Act.

We apply our highest standards of confidentiality and security in order to safeguard your nonpublic personal information. Our employees access customer information in relation to their job functions and the services they provide to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

On our Web site(s), we use a full range of Internet security measures. These include encryption utilizing Secure Sockets Layer (SSL) technology, routers and firewalls that act as barriers between the outside world and the internal bank network, and a trusted operating system to complete our overall security architecture. For certain applications, cookies are a requirement because they help protect the privacy of a customers transactions, for example, by automatically terminating an online session if the customer forgets to log out. Please note, however, that when you use a link from our Web site(s) to a non-FIRST NATIONAL BANK AND TRUST site, FIRST NATIONAL BANK AND TRUST privacy policies are no longer in effect.

By collecting and maintaining accurate customer information, we learn more about your needs and are better able to provide superior customer service to you.

We collect and maintain nonpublic personal information in order to:

Protect your accounts from unauthorized access or identity theft. Help ensure the security of your transactions with FIRST NATIONAL BANK AND TRUST, including online transactions. Service your accounts with accuracy and efficiency. Provide you with products and services designed to match your needs now and in the future. Introduce you to special offers and opportunities available through the FIRST NATIONAL BANK AND TRUST family and others.

The information we collect may include:

Information we receive from you on applications or other loan and account forms, such as your name, address, assets and income. Information about your transactions with us, our affiliates or others, such as your account balance, payment history, parties to transactions, and credit usage. Information we receive from third parties, including credit bureaus, such as your creditworthiness and payment history.

Information submitted by you for insurance applications or claims, such as medical information, that is used exclusively for the specific purposes you have authorized. We may disclose all of the information we collect, as described above. We do not knowingly request information from, or market to, minors. Collection of information on our Web site(s) may include data such as pages visited, downloads, other Web sites from which visitors arrive, and the types of operating systems and browsers used.

Such information is collected only to optimize the performance of the site or to personalize the information displayed. FIRST NATIONAL BANK AND TRUST may also offer online planning tools, such as calculators, to help you evaluate your personal finances or decide whether an FIRST NATIONAL BANK AND TRUST product is right for you. Information obtained through online planning tools, or online transactions such as payments an transfers, may be used only in connection with the transaction initiated by you. In addition, when we use a cookie to call up a database file with personal information provided by you, that information is stored at the Web site, not in the cookie, and is protected by the information security procedures described above.

Information sharing with affiliates and nonaffiliated third parties is carefully limited.

As permitted by law, we may share information among our affiliates about a customers account history or experiences with us. We may also share the customer information we collect as described above with those nonaffiliated third parties with whom we have entered into joint marketing agreements, with parties contracted to provide services on our behalf, or with other third parties as permitted or required by law, such as those listed below. Affiliates, as well as nonaffiliated third parties with whom we share customer information, are provided that information which we believe is appropriate for their specific offer or function and are bound by strict confidentiality guidelines. These parties may include:

Selected administrative units within and outside of the FIRST NATIONAL BANK AND TRUST family that provide specific servicing of your accounts. This servicing may include, preparation of your account statements, printing of your checks, or the processing of your ATM transactions. Financial services providers with whom we share information to keep you informed about products and services for which you may be eligible, and which we believe will be of value and interest to you. These providers may be affiliates within the FIRST NATIONAL BANK AND TRUST family or selected nonaffiliated third parties who may offer specific products and services under a joint marketing agreement. Examples of these financial services providers may include mortgage bankers, securities broker-dealers, and insurance companies. Non-financial companies, such as those that provide travel-related services. Others as permitted or required by law, such as credit bureaus, government entities in response to subpoenas and other legal processes, and those with whom you have requested us to share information.

Information sharing in private-label credit card and affinity programs: You may receive FIRST NATIONAL BANK AND TRUST products or services, such as an FIRST NATIONAL BANK AND TRUST credit card, through a private-label credit card or affinity program sponsored by a nonaffiliated third party, such as AAA. As part of your participation in the program, the program sponsor may offer benefits to you, such as products or services offered by retail merchants as well as other FIRST NATIONAL BANK AND TRUST services. We may share customer information collected as a result of your participation in a private-label credit card or affinity program with the program sponsor to assist the sponsor in making offers of other products or services to you.

Special note about trust and fiduciary relationships: When FIRST NATIONAL BANK AND TRUST acts as a trustee or is appointed as a fiduciary, information about these accounts is considered extremely confidential and is not shared for marketing purposes, either within or outside of the FIRST NATIONAL BANK AND TRUST family, without your specific consent. Please note that as part of your trust relationship, information about FIRST NATIONAL BANK AND TRUST products and services may be provided to you.

You have a choice about information sharing.

If you participate in a private-label credit card program or other affinity program offering FIRST NATIONAL BANK AND TRUST products or services, please review the privacy policy (if any) of your programs sponsor for additional information about your rights as their customer.

Additional information to help you.

Access to accounts. If you believe someone has accessed your accounts without authorization, or if someone has discovered your personal identification number (PIN), Personal Security Code, user name or password ("Codes"), please notify us at 1-800-667-4401 as soon as possible. Please assist us in this effort by protecting your Codes and account numbers. These numbers are for your personal use and should be kept confidential by you. Our employees and associates will never ask you for your Codes or other personal identification numbers and cannot provide you with these numbers if you do contact them.

Accuracy of customer information. We are committed to keeping your customer information accurate. If you believe our records are outdated or incorrect, please contact FIRST NATIONAL BANK AND TRUST Bank at FIRST NATIONAL BANK AND TRUST 345 East Grand Ave, Beloit WI, 53511. We will investigate the situation and make any necessary updates as soon as possible.

Web site(s). The information you request from our Web site(s) about your accounts can only be accessed with your Codes. It is your responsibility to keep your Codes confidential. Messages you send to us by e-mail are subject to viewing, alteration, and copying by potentially anyone on the Internet. We encourage you to send confidential correspondence through either the Postal Service or by using the telephone to speak directly to our employees.

FIRST NATIONAL BANK AND TRUST

Internet Banking Security Statement

With FIRST NATIONAL BANK AND TRUST Internet Banking, we use a full range of Internet security measures, including cryptography, routers and firewalls, and a trusted operating system to complete our overall security architecture.

Cryptography

Security on the Internet begins with your browser. In order to utilize Internet Banking, you must use a browser that supports the Secure Sockets Layer (SSL) protocol. SSL allows you to securely send and receive encrypted data over the Internet. This protocol provides a secure channel for data transmission through its public/private key encryption capabilities. When a client connects to the Internet Banking Vault Server, the session immediately goes through a "handshaking" process where the server sends a certified Digital ID to the client, whereupon an "encrypted tunnel" is created between the client and the server. This simply means that all requests by the client and, subsequently, all replies by the server are encrypted using an extremely long and complicated key.

We recommend the following browsers:

Netscape Navigator 4.0 or greater

Microsoft Internet Explorer 4.0

Routers and Firewalls

Your account information is protected by a series of filtering routers and firewalls that act as a barrier between the outside world and the internal bank network. The filtering router is the first component that you pass through to gain access to your account information. Much like a security guard, the router is responsible for determining who has access to what components of Internet Banking. This is achieved with Access Control Lists (ACLs) which allow or deny specific services for a particular user. The firewall is the next security component that you pass through. The firewall provides a higher level of security and authentication of a client request. The firewall takes advantage of the same type of ACLs that a router utilizes and tracks each request that was made, who made it, when it was made, where it was made from, and where it was destined for. Each one of these items is used to determine whether the user is granted access to the requested destination and protects the internal bank network from outside access.

Trusted Operating System

The entire Internet Banking application resides within a trusted operating system. The trusted operating system acts much like a firewall by protecting sensitive and proprietary information from the outside world. The trusted operating system accepts your authorized requests for account information, retrieves the information from our database, and sends the information back to your browser in an encrypted format. The system also contains numerous audit controls to track requests and navigation. This audit control allows us to quickly identify any suspicious activity.

Your Responsibility

When your Internet Banking account is established, we will provide you with a username and password to access your accounts through the Internet. The first time you attempt to access your accounts, you will be prompted to change your password. It is important that you memorize your password and not convey it to anyone else. You must make sure that no one is watching you enter your password and that you properly exit your Internet Banking session/browser before leaving the computer. The Internet Banking system allows you to change your password anytime and you should change your password frequently.

Thank you. Any further questions or comments, please Contact Us.