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 income

• Account balances and payment history

• Credit history and transaction 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 First National Bank & Trust chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does First National Bank & Trust 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

YES

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 our affiliates to market to you

NO

We don’t share

For non-affiliates to market to you

NO

We don’t share

Questions?

Call 580-223-1111 or go to www.1nb.com

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Who we are

Who is providing this notice?

First National Bank & Trust Company of Ardmore

What we do

How does First National Bank & Trust 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 & Trust collect my personal information?

We collect your personal information, for example, when you

• Open an account or apply for a loan

• Deposit money or provide account information

• Use your 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 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 non-affiliates to market to you

Definitions

Affiliates

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

• First National Bank & Trust does not share with our affiliates

Non-affiliates

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

• First National Bank & Trust 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.

• Our joint marketing partners include investment services