Stock Exchange Bank

Web Privacy Policy

Our bank respects your privacy. Through our Web site, we strive to provide valuable information to you about how we may serve you, and whether you are a valued existing customer or someone shopping for new bank services, we hope our site answers your questions about our products and services, locations, and hours.

Our Web site does not require you to disclose any personally identifying information. If, however, 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, however, 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 or questions. 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.

We do not knowingly solicit data from children, and we do not knowingly market to children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.

Links to other Web sites not maintained by The Stock Exchange Bank are provided only as sources of information that may be useful or interesting to our visitors. The Stock Exchange Bank has no control over the content contained on these other Web sites. If you link to one of these sites not maintained by The Stock Exchange Bank, we make no warranties, either express or implied, concerning the content therein. The presence of links to sites not maintained by The Stock Exchange Bank does not imply endorsement of or responsibility for the information contained at these sites.

We reserve the right to change this policy at any time by posting a new online privacy policy.

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General Privacy Policy

The Stock Exchange Bank recognizes, respects and protects the personal privacy rights of all our customers. We realize that our customers entrust us with personal information and it is our policy to maintain our customers’ information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers’ personal information, as well as the personal information of all consumers who visit our bank and website.

The following privacy policy and disclosure outlines our bank’s practice regarding personally identifiable financial information for consumers and those consumers who become our customers.

Definitions
There are certain terms used in this disclosure that we would like to define for you.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

Affiliate means any company that controls, is controlled by, or is under common control with another company.

A nonaffiliated third party is any person(s) or corporate entity that is not an affiliate or is not employed jointly by the bank and a third party.

Information that We Collect
At the Stock Exchange Bank we collect nonpublic, personal information about you from many sources, including the following:

Information we receive from you on applications, e-mails or other forms

Information about your transactions with us, our affiliates, or others

Information from a consumer reporting agency

Information that is generated when you contact us electronically

Nonpublic, personal information does not include that which is available from government records, widely distributed media, or government-mandated disclosures.

Information the Bank Discloses
We do not now, nor do we intend in the future, to disclose any personal financial information to any nonaffiliated or affiliated third party, except as permitted by law. By law we may disclose certain personally identifiable information without allowing consumers the right to opt out of the bank’s sharing agreements in the following circumstances:

To companies who perform transaction processing for the Stock Exchange Bank in the following circumstances:

If the transaction, service, or product is requested or authorized by the consumer.

To maintain or service a consumer’s account

In connection with a securitization, secondary market sale (including servicing rights), or similar transaction related to a consumer

To disclose information necessary to enforce the bank’s legal or contractual rights or the rights of any other person who is engaged in the financial transaction

To disclose information required in the ordinary course of banking business, such as the settlement of claims or benefits, the confirmation of information to the consumer or the consumer’s agent, and the billing, processing, or clearing of items in the normal course of business

To provide information to persons who are assessing the bank’s compliance with industry standards, and the bank’s attorneys, accountants, and auditors

To the extent permissible under the Right to Financial Privacy Act

To a consumer reporting agency under the fair Credit Reporting Act

To comply with federal, state, or local laws, rules, and other applicable legal requirements

Service Providers and Joint Marketing Ventures
The Stock Exchange Bank may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:

Information we receive from you on applications or other forms, such as name, address, social security number, assets, and income

Information about your transactions with us such as account balances, account activity and parties to transactions

Information we receive from a consumer reporting agency, such as your creditworthiness and credit history

Federal law allows us to disclose the above information with other financial institutions with whom we have a joint marketing agreement that will require the third party to maintain the confidentiality of the information in the same manner the bank would and to restrict its use. An example of these types of businesses would be a Financial Service Provider, such as a Securities Broker-Dealer. You do not have a right to opt out of the disclosure of this information.

The Stock Exchange Bank will not provide your personal information to nonbank companies for the purpose of their independent telemarketing or direct mail marketing of any nonfinancial products or services.

Safeguarding Customer Information
We protect consumer privacy by ensuring that information we have about you is available to our employees and agents on a "need to know" basis in order to do their jobs. We prohibit our employees and agents from giving information about you to anyone in a manner that would violate any applicable law or our privacy policy. We do not provide information about you to anyone without first verifying who they are and whether they may have legal access to the information. All employees are trained regarding the importance of safeguarding customer information.

When you end your customer relationship with us, or when we end our customer relationship with you, we will treat the information we have about you as if you were still our customer.

The Stock Exchange Bank maintains physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Making Sure Information is Accurate
Keeping your account information accurate and up to date is very important to us. We provide you with access to your account information through various means such as account statements, telephone banking and online banking. If you ever find that your account information is incomplete, inaccurate or not current, please write to us at The Stock Exchange Bank, P.O. Box 1008, Woodward, OK 73802-1008 or call us at (580) 256-3314 or 1-877-656-3314. We will promptly update or correct any erroneous information. If you have questions or feel that we have not handled information about you properly, you may always contact Customer Service and we will investigate your inquiry or complaint.

Privacy Updates
The Stock Exchange Bank will provide notice of our privacy policy annually as long as you maintain an ongoing relationship with us. We reserve the right to modify these Privacy Practices as needed, along with related provisions, at any time.

The Stock Exchange Bank will continue to review its policies and procedures to ensure that confidential customer information is protected at all times and to ensure that our customers are aware of how we use the information we collect from them.

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