PRIVACY POLICY NOTICE

WHAT DOES FIRST NATIONAL BANK IN MARLOW DO 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 th product or service you have with us. This information can include:

  • Social Security number and credit history
  • Checking account information and employment information
  • Income and payment 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 reason financial companies can share their customers' personal information; the reason First National Bank In Marlow chooses to share; and whether you can limit this sharing.

    Reasons we can share your personal information

    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
    Does First National Bank In Marlow share? Yes
    Can you limit this sharing? No

    For our marketing purposes- to offer our products and services to you
    Does First National Bank In Marlow share? No
    Can you limit this sharing? We don't share

    For joint marketing with other financial companies
    Does First National Bank In Marlow share?
    No
    Can you limit this sharing? We don't share

    For our affiliates' everyday business purposes- information about your transactions and experiences
    Does First National Bank In Marlow share? No
    Can you limit this sharing? We don't share

    For our affiliates' everyday business purposes- information about your creditworthiness
    Does First National Bank In Marlow share? No
    Can you limit this sharing? We don't share

    For our affiliates to market you
    Does First National Bank In Marlow share?
    No
    Can you limit this sharing? We don't share

    For nonaffiliates to market you
    Does First National Bank In Marlow share?
    No
    Can you limit this sharing? We don't share

    Questions? Call 580-658-5457 or go to www.fnbmarlow.com

    Who we are
    Who is providing this notice?
    The First National Bank in Marlow; and The First National Bank in Comanche

    What we do
    How does First National Bank In Marlow 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 In Marlow collect my personal information? We collect your personal information, for example, when you

  • apply for a loan or apply for financing
  • open an account or apply for a lease
  • make deposits or withdrawals from your account


  • 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.
  • First National Bank In Marlow has no affiliates.

    Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • First National Bank In Marlow 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 service to you.
  • First National Bank In Marlow doesn't jointly market.

    CONFIDENTIALITY AND SECURITY OF NONPUBLIC PERSONAL INFORMATION

    This institution maintains the following policies and practices designed to protect the confidentiality, security, and integrity of consumers' nonpublic personal information:

    We limit employee access to confidential customer financial information to those employees with a business reason for knowing such information.

    Information you submit via our online banking service is protected by encryption technology which scrambles account information to reduce the possibility of access by unauthorized individuals outside the Institution. To further protect your online banking service, the Institution requires a username and password. The Institution does not use 'cookies' to collect and track information about you.

    Our employees are trained to understand the importance of customer financial privacy and to properly handle confidential information.

    It is our policy that customer information is not to be provided to anyone over the telephone unless the previously issued Personal Identification Number ("PIN") has been provided to the employee by the person requesting information or we have otherwise determined that you are the person requesting information on your own account or have authorized us to release the requested information.

    This Institution endeavors to maintain the most accurate and up-to-date customer records possible. If you find that your account information is not correct, current, or complete, please call, e-mail, or write to us at the telephone number or addresses on your account statement and appropriate corrections will be made as soon as possible. Since some email transmissions may be subject to interception, if your correspondence contains sensitive information (e.g., your account number) you may want to send a letter or telefacsimile to us.

    If you feel we have not met our obligations in the protection or use of your personal information, you may submit a complaint to us. Any complaint will be handled in compliance with the Institution's Consumer Complaints Policy.

    Breaches of customer privacy are considered serious employee misconduct and may result in termination of the employee.

    DISCLOSURES TO AFFILIATES OR NONAFFILIATED THIRD PARTIES

    This institution does not disclose, and does not intend to disclose, nonpublic personal information to affiliates or nonaffiliated third parties, except to certain nonaffiliated third parties as permitted by law.

     

  • Equal Housing Lender Member FDIC