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Privacy Statement- New 12/2022

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 our 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	We don’t share
For our affiliates’ everyday business purposes – information about your transactions and experiences	NO	We don’t share
For our affiliates’ everyday business purposes – information about your creditworthiness	NO	We don’t share
For nonaffiliates to market to you	NO	We don’t share

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.bank

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

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You are now leaving First National Bank of Oklahoma's website and will be redirected to another site. First National Bank of Oklahoma makes no endorsement of claims about the accuracy or content of information contained within third party sites to which you may be going. The security and privacy policies on these sites may be different from First National Bank of Oklahoma. CLICK HERE to proceed.

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You are now leaving First National Bank of Oklahoma's website and will be redirected to another site. First National Bank of Oklahoma makes no endorsement of claims about the accuracy or content of information contained within third party sites to which you may be going. The security and privacy policies on these sites may be different from First National Bank of Oklahoma. CLICK HERE to proceed.

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You are now leaving First National Bank of Oklahoma's website and will be redirected to another site. First National Bank of Oklahoma makes no endorsement of claims about the accuracy or content of information contained within third party sites to which you may be going. The security and privacy policies on these sites may be different from First National Bank of Oklahoma. CLICK HERE to proceed.

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You are now leaving First National Bank of Oklahoma's website and will be redirected to another site. First National Bank of Oklahoma makes no endorsement of claims about the accuracy or content of information contained within third party sites to which you may be going. The security and privacy policies on these sites may be different from First National Bank of Oklahoma. CLICK HERE to proceed.