Privacy Notice

WHAT DOES BANK OF WESTERN OKLAHOMA DO WITH YOUR PERSONAL INFORMATION?

spirit

	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 Checking Account Information Transaction History and Overdraft History Payment History and Wire Transfer Instructions 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 customer’s personal information; the reasons Bank of Western Oklahoma chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information		Does Bank of Western Oklahoma 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 non-affiliates to market to you		No	We don’t share

	Questions?
	Call 580-225-3434 or go to www.bankofwesternoklahoma.com

	Who we are
Who is providing this notice?		Bank of Western Oklahoma
		What we do
How does Bank of Western Oklahoma 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 Bank of Western Oklahoma collect my personal information?		We collect your personal information, for example, when you Open an account or apply for a loan Make a wire transfer or give us your contact information Make deposits or withdrawals from your account We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit sharing?		Federal law gives you the right to limit only Sharing for affiliates’ everyday business purposes-information about your creditworthiness Affiliates from u sing your information to market to you Sharing for non-affiliates 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 non-financial companies. Bank of Western Oklahoma has no affiliates.
Non-affiliates		Companies not related by common ownership or control. They can be financial and non-financial companies. Bank of Western Oklahoma does not share with non-affiliates so they can market to you.
Joint marketing		A formal agreement between non-affiliated financial companies that together market financial products or services to you. Bank of Western Oklahoma does not jointly market.