Compliance with the
   Right to Financial Privacy Act

 Maintenance and Accuracey
   of Your Information

Customer Financial information

Limited Access to
  Your Information

Security Procedures to
  Protect Your Information

Restrictions on the Disclosure
  of Account Information

Maintaining Your Privacy
  in Third Party Relationships

  Your E-mail Privacy

  Changes to Our
  Privacy Statements & Policies

  Unlawful Internet Gambling
  Enforcement Act

  Helpful Resources
  for Online Security














































































Privacy Statement

First Oklahoma Bank (FOB) is committed to protecting customer confidentiality. We understand that you expect privacy and security regarding your personal and financial information. Confidentiality has always been at the foundation of banking, and with the advent of the internet and e-commerce, it is now more important than ever to take all necessary steps to assure our customer's privacy and keep their trust.

We have taken the following steps outlined below to assure that any private information shared with FOB remains private.

Compliance with the Right to Financial Privacy Act

The Gramm-Leach-Bliley Act of 1999 required new privacy regulations. FOB will comply with all provisions of the Act, and will also consider customer privacy when required to comply with the Bank Secrecy Act, which may require the filing of Large Currency Transaction Reports, and reports of suspicious activity.

Maintenance and Accuracy of Your Information

FOB has established procedures to assure that records of your financial transactions are accurate, current, and complete in accordance with reasonable commercial standards. We will respond to requests to correct inaccurate information in a timely manner.

Customer Financial Information

As a normal part of conducting business with customers and prospective customers, we gather and utilize various types of information. This information is often available from public records. We collect nonpublic personal information about our customers from the following sources: Information we receive on applications and other forms such as name, address, social security number, and income. Information about transactions with us, our affiliates or others such as account balance, payment history, and credit card usage. Information we receive from a consumer reporting agency such as a credit history.

Limited Access to Your Information

At First Oklahoma Bank, 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 privacy issues. Because of the importance of these issues, all FOB employees are responsible for maintaining the confidentiality of customer information. Employees who violate these privacy policies will be subject to disciplinary measures.

Security Procedures to Protect Your Information

First Oklahoma Bank maintains security procedures to help prevent unauthorized access to customer information. These procedures include the physical security of the Bank's premises; location of, restricted access to, and proper disposal of confidential customer information; use of the most recent technologies, including firewalls to prevent unauthorized access to the bank's computers, and encryption while transmitting customer data. In an effort to ensure their integrity, we test and audit these procedures on a regular basis.

For more information on how to protect your personal information please refer to the FDIC's article "Online Banking, Bill Paying and Shopping: 10 Ways to Protect Your Money."

Restrictions on the Disclosure of Account Information

First Oklahoma Bank Bank does not reveal specific information about your accounts or other information about you to unaffiliated third parties for their independent use, except for the exchange of information with reputable credit reporting agencies, clearing house services, or in the performance of bona fide corporate due diligence, unless:

1) The information is provided to help complete a transaction
initiated by you;
2) You request us to do so;
3) To comply with laws, government agency rules or orders, court orders, subpoenas or other legal process, or in order to provide information to regulatory agencies in accordance with applicable law;
4) You have been informed about the possibility of such disclosures for marketing or similar purpose.

We do not share or sell any private customer information with third party marketers offering their products and services independently from us. We may offer products and services with the help of, or through third parties, but we control the information.

Maintaining Your Privacy in Third Party Business Relationships

It is sometimes necessary to provide your information to a third party, such as a vendor or service provider, that we hire to provide you with additional services.  FOB Bank insists that the third party adhere to strict guidelines for keeping such information confidential. Whenever we hire other organizations to provide support services, we will require them to keep customer information confidential in accordance with this Privacy Statement, and to allow us to audit them for compliance. Whenever information is shared with credit reporting agencies, it is in accordance with the Fair Credit Reporting Act.

Your E-mail Privacy

Our web site does not require you to disclose any personal identifying information. If you choose to contact us via e-mail, please keep in mind that your e-mail address, and any other information your e-mail header shows about you, such as your name or organization, will be revealed to us in the e-mail. We pledge that when you communicate with us via e-mail, we will use your e-mail information only for the specific purpose of responding to your comments, questions, or requests. Your e-mail address will not be sold, nor will it be shared with others outside the bank unless we are compelled to do so by law.

Inquiries sent through our "Contact Us" pages are not secure. Since our response back to you is also not secure, we will not include confidential account or personal information in the response unless asked to do so.

We gather and analyze statistical data regarding the usage of our web site, including domain name, number of hits, pages visited, length of user session, etc., to evaluate the usefulness of our site.

Changes to Our Privacy Statement and Policies

We reserve the right to change this policy at any time by posting a new privacy policy on our web site

Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006

The UIGEA, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. The Dept of Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act.

As defined in Regulation GG, unlawful Internet gambling means to “place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made”.

As a customer of First Oklahoma Bank, these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an Internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so.

Please see one of our Relationship Managers if you would like additional information on UIGEA or Regulation GG.

Helpful Resources for Online Security
















For More Information Call

Warning: Internet E-Mail is not secure. Never send private financial or personal information using email (including Account Numbers, Social Security Numbers, Credits Card Numbers, Passwords, and/or Account Balances).