Rev. 1/19

FACTS

WHAT DOES FIRST NATIONAL BANK OF OMAHA
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 readthis 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 payment history• Credit history and credit scores

HOW?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list thereasons financial companies can share their customers’ personal information; the reasons First National Bank of Omaha ("FNBO")
chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does FNBO 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

NoFor joint marketing with other financial companies
For our affiliates’ everyday business purposes –Information about your transactions and experiences
For our affiliates’ everyday business purposes –Information about your creditworthiness

Yes

No

Yes

No

Yes

Yes

For our affiliates to market to you

Yes

Yes

For nonaffiliates to market to you

Yes

Yes

To limitour sharing• Call: 800-362-5357 – Our menu will prompt you through your choice(s)Please Note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are nolonger our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.

Questions?

Call: 800-688-7070

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Who we are
Who is providing this notice?

First National Bank of Omaha

What we do
How does FNBO protect
my personal information?

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

How does FNBO collect
my personal information?

We collect your personal information, for example, when you:
• Open an account or give us your income information• Pay your bills or provide employment information• Provide account information
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. See below for
more on your rights under state law.

What happens when I limit sharing for an
account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies:• Our affiliates include financial institutions, insurance agencies, title companies, mortgage companies, securities broker-dealers and trust companies.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.
• Nonaffiliates we share with can include service providers, insurance agents, retailers, credit card marketing companies, and nonprofit organizations.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
• Our joint marketing partners include card associations and other financial institutions.

Other important information
Vermont: We will not share information about your creditworthiness with our affiliates and will not share your personal information, financial information, credit report
information, or health information with nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to do so. For joint marketing,
we will only share your name, contact information, and information about our transactions and experiences with you. Additional information concerning our privacy policies canbe found at www.fnbo.com/privacy-policy or by calling 800-688-7070.
California: We will not share information we collect about you with nonaffiliated third parties, unless such sharing is permitted by applicable law.

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