IMPORTANT INFORMATION ABOUT YOUR PRIVACY BECAUSE YOUR TRUST IS SO IMPORTANT

Your trust is the cornerstone of our relationship. This is why we work so diligently to safeguard your privacy. The information that you provided us is kept in the strictest of confidence. We have no intentions of selling personal information about our customers to third-party businesses. We are proud to make that commitment to you, because your trust is the foundation of our business.

The following privacy policy explains how we use and protect the information about our customers. We ask that you read it carefully.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us, when used in the notice, mean The First National Bank and Trust Company of Broken Arrow.

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

All of our consumer customers who have a continuing relationship with us, such as:

Deposit account
Loan account
Credit card
Safe deposit box
Self-directed Individual Retirement Account where we act as custodian or trustee
Home mortgage brokerage

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.

THE INFORMATION THAT WE COLLECT

We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms
Information about your transactions with us
Information about your transactions with nonaffiliated parties
Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION

We restrict access to nonpublic personal information about you 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 nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES

We will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS

We do not disclose nonpublic personal information about former customers, except as permitted by law.

AUTHORIZED SHARING – JOINT MARKETING

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

Nonpublic personal information we receive from you on an application or other forms, such as

Name
Address
Social security number
Assets
Income

Nonpublic personal information about your transaction with us, such as

Account balances
Account activity
Types of accounts
Payment history
Deposit history
Parties to the transaction

Nonpublic personal information we receive from a credit reporting agency, such as

Creditworthiness
Credit history

Federal law allows us to disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out if the disclosure of this information. We may also disclose nonpublic information about you to nonaffiliated third parties as permitted by law.

Types of Business. Here are the types of businesses with whom we may disclose nonpublic information under this section

Financial service providers, such as

Mortgage bankers
Insurance agents

Reasons For Disclosing

Here is why we may disclose nonpublic personal information about you to other financial institutions with whom we have joint marketing agreements:

To provide our customers with information about additional products and services.