Privacy Policy

All financial companies need to share customers' personal information to run their everyday business. The types of personal information we collect and share depend on the product or service you have with us. Please read this notice carefully to understand what we do.

FACTS:
What does the First National Bank & Trust Company of Elk City and Sayre do with your personal information?

Rev. 10/2010

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

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 & Trust of Elk City and Sayre chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Reasons we can share your personal information

Does The First National Bank & Trust of Elk City and Sayre

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 Yes No
For our affiliates' everyday business purposes—information about your creditworthiness No We don't share
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you No We don't share

To limit our sharing

  • Call 580-225-2580 — our menu will prompt you through your choice(s) or
  • Mail the form below

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 no longer 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 580-225-2580

Mail-In Form

Mark any/all you want to limit:

❑ Do not allow your affiliates to use my personal information to market to me.

Name:



Address:



City, State, Zip:



Mail to: First National Bank & Trust, P.O. Box 669, Elk City, OK 73648

What we do

How does The First National Bank & Trust of Elk City and Sayre 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 The First National Bank & Trust of Elk City and Sayre collect my personal information?

We collect your personal information, for example, when you

  • open an account or make deposits or withdrawals from your account
  • apply for a loan or use your credit or debit card
  • make a wire transfer

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 companies such as Western Oklahoma Financial Services, Inc.; and nonfinancial companies, such as Western Oklahoma Insurance Agency, Inc.

Nonaffiliates

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

  • The First National Bank & Trust of Elk City and Sayre 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. • The First National Bank & Trust of Elk City and Sayre doesn't jointly market.

Other important information

If you decide to close your accounts or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.