BUSINESS PERSONAL ABOUT LOCATIONS LOGIN First National Bank of Oklahoma Privacy Statement - New 10.14.20 FACTS WHAT DOES FIRST NATIONAL BANK OF OKLAHOMA DO WITH 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 Payment History Credit History and Credit Scores When you are no longer a customer, we continue to share your information as described in this notice. How? All financial companies need to share customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information, the reasons FIRST NATIONAL BANK OF OKLAHOMA chooses to share; and whether you can limit this sharing. Reasons we can share your personal information. Does FIRST NATIONAL BANK OF OKLAHOMA 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 NO For our affiliates’ everyday business purposes – information about your transactions and experiences NO NO For our affiliates’ everyday business purposes – information about your creditworthiness NO NO For nonaffiliates to market to you NO NO Questions? Please call our—Tonkawa Branch (580) 628-2265, Ponca City Branch (580) 762-2265, Oklahoma City –Western Avenue Branch or Oklahoma City—North Shore Branch (405) 848-2001 or visit our website – www.fnbok.com Who we are Who is providing this notice? FIRST NATIONAL BANK OF OKLAHOMA What we do How does FIRST NATIONAL BANK of OKLAHOMA 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 FIRST NATIONAL BANK of OKLAHOMA collect my personal information? We collect your personal information, for example when you Open an account or Deposit Money 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 give you the right to limit only: Sharing for affiliates’ everyday business purposes—information about your creditworthiness Affiliates from using your information to market you Sharing for non-affiliates to market you State law 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. •.First National Bank of Oklahoma has no affiliates. Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • First National Bank of Oklahoma 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. • First National Bank of Oklahoma doesn't jointly market. Other important Information Notice to Consumer Accounts: First National Bank of Oklahoma and or its agents have the right to contact you concerning your account(s) through any means necessary. This includes but is not limited to cellular or wireless devices, SMS messages, and email addresses. Consumers have the right to opt out of pre-recorded messages or SMS messages on cellular devices by submitting a request in writing to: First National Bank of Oklahoma Attention Operations Dept P O Box 54829 Oklahoma City, OK 73154 Revised 10 2020 PRIVACY STATEMENT PATRIOT ACT TERMS OF USE FUNDS AVAILABILITY POLICY FDIC INSURANCE COVERAGE AMOUNT ALL MATERIAL © 2021 BY FIRST NATIONAL BANK OF OKLAHOMA. ALL RIGHTS RESERVED. INFO@FNBOK.COM