REVISED PRIVACY POLICY NOTICE
Effective August 1, 2009

 The Peoples National Bank of Checotah, Oklahoma, respects and values the privacy of our customers.  We consider it our privilege to serve your financial needs and appreciate your trust in us to ensure your customer information is secure and confidential.  We want you to understand what information we may collect and how we may use it.

BECAUSE YOUR TRUST IS SO IMPORTANT

Your trust is the cornerstone of our relationship.  That is why we work so diligently to safeguard your privacy. The information that you provide us is kept in the strictest confidence.  We have no intentions of selling personal information about our customers to third-party businesses.  We are proud to make that commitment to you, because your trust is the foundation of our business.

The following privacy policy explains how we use and protect the information about our customers.  We ask that you read it carefully.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used this notice, mean The Peoples National Bank.

This is our privacy notice for our customers.  When we use the words “you” and “your” we mean the following types of customers:

• Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n)

• Deposit account

• Loan account

• Safe deposit

• Self-directed Individual Retirements Accounts

• Former customers

We will tell you the sources of the information we collect about you.  We will tell you what measures we take to secure that information.  We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product of service to you.  Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.  Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us.  Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours.  This is also known as nonaffiliated third party, or simply, an “other party”.

INFORMATION WE MAY COLLECT

We may collect information about you from the following sources:

• Information you give us on applications or other forms

• Information about your transactions with us

• Information about your transactions with our affiliates

• Information about your transactions with other parties

• Information from a consumer reporting agency

• Information we receive through our Customer Identification Program

INFORMATION WE MAY DISCLOSE ABOUT YOU

We do NOT disclose any information about you to anyone, except as permitted by law.  Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic, and procedural safeguards to protect this information.

INFORMATION ABOUT FORMER CUSTOMERS

We have the same policy about disclosing information about former customers as we do about current customers.

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Thank you for banking with us.  If at any time you have a question or concern about the confidentiality of your information with our bank or would like to request additional copies of this policy, please come by and visit with us or call 918-473-2237.

THE PEOPLES NATIONAL BANK, of Checotah, Oklahoma
300 W. Gentry
Checotah, OK 74426
MEMBER FDIC