FACTS

WHAT DOES THE FIRST NATIONAL BANK OF SEILINGDO 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 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 checking account information

§  Account balances and Transaction history

§  Credit scores and Credit history

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 chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does The First National Bank 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

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?

Call 580-922-4211    or go to    www.fnbseiling.com

Who we are

Who is providing this notice?

First National Bank

Seiling, Oklahoma

What we do

How does First National Bank

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 collect my personal information?

We collect your personal information, for example, when you

§  Apply for a loan or open an account

§  Make deposits or withdrawals from your account or use your credit or debit card

§  Pay your bills

We also collect your personal information from others, such as credit bureaus, 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.

Definitions

Affiliates

Companies related by common ownership or control.  They can be financial and nonfinancial companies.

The First National Bank does not share with our affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

The First National Bank 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.

Other important information

We do not sell or otherwise disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.  We want you to know that we respect the privacy of our customers, thus YOU DO NOT NEED TO TAKE ANY ACTION.

We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you.