At First National Bank & Trust Company of Weatherford, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with First National Bank & Trust, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both.

RECOGNITION OF A CUSTOMER'S EXPECTATION OF PRIVACY

We recognize your right to privacy at First National Bank & Trust. We recognize that you have a right to expect your personal financial information to remain private and secure. We will maintain standards to ensure that your information is private and secure at all times.

CUSTOMER BENEFITS OF INSTITUTIONS INFORMATION MANAGEMENT PRACTICES

We collect, retain, and use information about you only where we reasonably believe that it will help administer our business or provide products, services, and other opportunities to you. WE use information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations, to help us design or improve our products and services, and to understand your financial needs so that we can provide you with quality products and superior service.

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 concern and correct any inaccuracies.

LIMITATIONS ON EMPLOYEE ACCESS TO INFORMATION

Each first National Bank & Trust employee is required to follow our Company's Code of Ethics," which states that all customer information is considered private and privileged and is to be held in strictest confidence. This information is to be used solely for the purpose of providing you with the finest service available.

PROTECTION OF INFORMATION VIA ESTABLISHED SECURITY PROCEDURES

First National Bank & Trust is committed to the security of your financial and personal information. We maintain and grant access to customer information only in accordance with our internal security standards.

RESTRICTIONS ON THE DISCLOSURE OF ACCOUNT INFORMATION

It is the bank's policy not to reveal specific information about customer account or other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence or business matters, unless 1) the information is provided to help complete a customer-initiated transaction; 2) the customer requests or permits it; or 3) the disclosure is required by or allowed by law (e.g., subpoena, investigation of fraudulent activity, request by regulator, etc.).

MAINTAINING CUSTOMER PRIVACY IN BUSINESS RELATIONSHIPS WITH THIRD PARTIES

When the bank conducts business with third parties, it requires its vendors and supplies to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

PROVIDING PRIVACY INFORMATION TO CUSTOMERS AND RESPONDING TO INQUIRIES

At First National Bank & Trust, 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. If you have any questions about how First National Bank & Trust protects your confidential information, please call our corporate office at 1-800-774-8507 or E-Mail us at customerservice@fnbwford.com
 

FACTS   

WHAT DOES First National Bank & Trust Company of Weatherford 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       •  Account Balances   

•  Payment History                  •  Credit History

•  Transaction History             •  Checking Account Information       

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 busienss. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons First National Bank & Trust Company 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 First National Bank & Trust Company 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 investigaitons, or report to credit bureaus	Yes	No
For our marketing purposes-- to offer our products and services to you	No	We don't share
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 580-772-5574  or go to    www.fnbwford.com

Who we are

Who is providing this notice?

First National Bank & Trust Company of Weatherford

Who we do

How does First National Bank & Trust Company 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. We also limit access to customer information to those employees whom access is appropriate.
How does First National Bank & Trust Company collect my personal information?	We collect your personal information, for example, when you •  Open an account     •  Add someone to an account •  Apply for a loan 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 you •  sharing for nonaffiliates to market 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 & Trust Company does not share with our affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. •  First National Bank & Trust Company 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 & Trust Company does not market jointly.