FACTS

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 Account balances
• Payment history and Transaction history
• Credit history and Account transactions

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 customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons The First National Bank and Trust Company of Broken Arrow chooses to share; and whether you can limit this sharing

Who we are

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.

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

We collect your personal information, for example, when you:

• Open an account or Apply for a loan
• Pay your bills or Make deposits or withdrawals from your account
• Use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

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.

Definitions

Companies related by common ownership or control. They can be financial and nonfinancial companies.
- First National Bank and Trust Company of Broken Arrow does not share with our affiliates.

Companies related by common ownership or control. They can be financial and nonfinancial companies.
- First National Bank and Trust Company of Broken Arrow does not share with nonaffiliates so they can market to you.

A formal agreement between nonaffiliated financial companies that together market financial products orservices to you
- First National Bank and Trust Company of Broken Arrow doesn't jointly market.