To Our Account Holders:

Our web server automatically recognizes identifying information about you and your Internet service provider whenever you log on. The information for the accounts you have with Tulsa National Bank is kept secure and confidential through multiple security features and procedures.

Facts	What Does Tulsa National Bank Do With Your Personal Information?
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 transaction history Account balances and payment history Credit history and credit scores 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 customers' personal information; the reasons Tulsa National Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Tulsa National Bank 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	No	We don't share
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 credit worthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For non-affiliates to market to you	No	We don't share

Questions?

Call 918-494-4884

Who we are
Who is providing this notice?	Tulsa National Bank
What we do
How does Tulsa National Bank 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 Tulsa National Bank collect my personal information?	We collect your personal information, for example, when you: Open an account or deposit money Pay your bills or apply for a loan Use your credit or debit card
Why can't I limit all sharing?	Federal law gives you the right to limit only: Sharing for affiliates everyday business purposes – information about your credit worthiness Affiliates from using 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 nonfinancial companies. Tulsa National Bank does not share with our affiliates.
Non-affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Tulsa National Bank 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. Tulsa National Bank does not jointly market.

If you visit our site to read or download information, such as consumer brochures, sample disclosures or press releases:

• We may collect and store limited information about you when you visit our web site, such as: the name of the domain from which you access the Internet (for example aol.com, if you are connecting from an America Online account); the date and time you access our site; and the Internet address of the web site from which you linked directly to our site.
• We use the information we collect to measure the number of visitors to the different sections of our site and to help us make our site more useful to visitors.

If you identify yourself by sending an e-mail:

• If you are an accountholder and send us e-mails or applications after entering your password for Tulsa National Online banking services, the information that you send us is sent through a secure server and cannot be viewed over the Internet. Information you provide to us, along with information you have authorized us to collect from outside sources, will be maintained and used so that we can offer you accounts and services related to your financial needs. This information is kept confidential pursuant to the policy described above.
• You also may decide to send us personally identifying information in an e-mail message traveling through the Internet. Messages traveling through the Internet using e-mail processes are subject to viewing, alteration, and copying by potentially anyone on the Internet. We encourage customers to send confidential correspondence through either the postal service, or by using the telephone to speak directly to our employees. We are not responsible for the security or confidentiality of communications you send to us through the Internet using e-mail. We use personally identifying information from consumers in various ways to further our products and services.
• We will not obtain personally identifying information about you when you visit our site, unless you choose to provide such information to us.
• We do not make our web site visitor information available for marketing purposes to unaffiliated third parties.

To learn more about your account security and our commitment to maintain your privacy, you may reach us by telephone at 918-494-4884 or write us at:

Tulsa National Bank
Attn: Compliance Officer
PO Box 1051
Tulsa, OK 74101-1051