Privacy Policy

FACTS	WHAT DOES FIRST NATIONAL BANK OF STIGLER 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 the product or service you have with us. This information can include: - Social Security number and Account Balances - Transaction history and Payment history - Credit scores 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 First National Bank of Stigler chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information				Does First National Bank of Stigler 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	We don't share
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 918-967-4665 or go to www.fnbstigler.com
What we do
How does First National Bank of Stigler 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 of Stigler collect my personal information?			We collect your personal information, for example, when you - Open an account or Apply for a loan - Provide account information 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.
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 of Stigler has no affillates
Nonaffiliates			Companies not related by common ownership or control. They can be financial and nonfinancial companies. - First National Bank of Stigler 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. - First National Bank of Stigler does not jointly market

At the First National Bank of Stigler, our mission is to meet the desires of our customers. As financial service professionals entrusted with sensitive financial information, we respect the privacy of our customers and are committed to treating customer information responsibly. Our Customer Information Privacy Policies serve as standards for our employees for collection, use, retention, and security of individual customer information.

Customer Privacy Expectations
At the First National Bank of Stigler, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers’ trust. Thus, the safekeeping of customer information is our priority.

Information Collected on this Website
Visitors to the First National Bank of Stigler’s web site remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:

Date and time our site was accessed
IP Address (A numeric address given to servers connected to the Internet)
Web browser used
City, State, and Country

The bank uses this information to create summary statistics and to determine the level of interest in information available on our site. Visitors may elect to provide us with personal information. This information is used internally, as appropriate, to handle the sender’s request. It is not disseminated or sold to other organizations.

Use of Information Collected
We collect, retain, and use information about you only when we believe that it will assist in administering or providing products, services, and other opportunities to you. This information is often available from public records or credit reporting agencies, as well as income, employment or other confidential information you provide to us. In addition, we maintain information regarding your accounts and history with us. The information collected and retained about you is used to:

Protect and administer your records, accounts and funds
Comply with certain laws and regulations
Help us design or improve our products and services
Understand your financial needs so that we can provide you with quality products and superior service

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Maintenance of Accurate Information
We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

Limitations on Employee Access to Information
At The First National Bank of Stigler, employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information and on these Privacy Policies. Because of the importance of these issues, all of our employees are responsible for maintaining the confidentiality customer information and employees who violate these Privacy Policies will be subjected to disciplinary measures.

Protection of Information
The First National Bank of Stigler is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

Restriction on the Disclosure of Account Information
We do not reveal specific information about your accounts or other personally identifiable data to outside parties for their independent use unless:

You request or authorize it
The information is provided to help complete a transaction initiated by you.
The information is provided to a reputable credit bureau or similar information reporting agency
The disclosure otherwise is lawfully permitted or required

Maintaining Customer Privacy
When the First National Bank of Stigler conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy or personally identifiable customer information provided to them.

If we change our policy or practice by for example, adding a category of information that we will disclose to a third party, we will notify existing customers and give them an appropriate time period to opt out of the disclosure.

At the First National Bank of Stigler, we value our customer relationships. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call the First National Bank of Stigler at 918-967-4665 or by email at contactus@fnbstigler.com

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