THE EXCHANGE BANK

Notice Of Your
Financial Privacy Rights

This is our privacy notice for our customers. When we use the words you and your we mean the following types of customers:
All of our consumer customers who have a continuing relationship with us such as:

	Deposit Accounts	Loan Account
	Credit Card	Safe Deposit Box
	Self Directed Individual Retirement Account where we act as custodian or trustee

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures to take to secure that information.

We first define some terms:
We, Our, and Us means The Exchange Bank of Skiatook, Sperry and Owasso.
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.
An affiliate is a company we own or control, a 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 company that is not an affiliate of ours.

We collect nonpublic personal information about you from the following sources: Information we receive from you on applications or on other forms; information about your transactions with us; information about your transactions with nonaffiliated third parties; information from consumer reporting agencies. We do not disclose any nonpublic information about you to anyone, except as authorized by law.

The Information We Collect

We collect nonpublic personal information about you from the following sources:
Information we receive from you on applications or on other forms.
Information about your transactions with us.
Information about your transactions with nonaffiliated third parties.
Information from consumer reporting agencies.

We do NOT disclose any nonpublic information
about you to anyone, except as authorized by law.

The Confidentiality, Security and Integrity of
Your nonpublic Personal Information

We restrict access to nonpublic personal 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 that comply with federal regulations to guard your nonpublic personal information.

Nonpublic Personal Information
and Nonaffiliated Third Parties

Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.

Nonpublic Personal Information
and Former Customers

We do not disclose nonpublic personal information about former customers.