As a visitor to our web site, you need not be concerned about the privacy of your personal information. Our site is not designed to collect personally identifying data on visitors.

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 in your e-mail header, such as your name or organization, will be revealed to us in the e-mail. We pledge, however, that when you communicate to 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 our bank unless we are compelled to do so by law.

We reserve the right to amend our policy at any time by posting a new privacy policy and giving proper notice to our customers.

Bank Privacy Policy
At Chickasha Bank and Trust Company, the basis of each customer relationship is trust. You have chosen to do business with us and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us.

We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.

Recognition of Our Customers' Expectations of Privacy
At Chickasha Bank and Trust Company, we recognize your right to privacy. We recognize that you have a right to expect your personal financial information to remain private and confidential. We will maintain standards to ensure that your information is private and secure at all times.

Our Collection, Use and Retention of Customer Information
As we explain the source of nonpublic personal information we collect, allow us to define the following terms:

• Nonpublic personal information is 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.
• An affiliate refers to 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 controlling interest. Our affiliates include Chickasha BancShares, Inc., Washita Mortgage, Inc., Cement Insurance Agency, and Chickasha Development Corporation.
• A nonaffiliated third party refers to a company that is not an affiliate of ours.
• A customer is a consumer who has a continuing customer relationship with the bank, under which the bank provides one or more financial products or services.

We collect, use and retain information about our customers only where we reasonably believe it would be useful in administering our business, and providing products and services, and other opportunities to our customers. We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from a consumer reporting agency.

We will collect and retain information only for specific business purposes - and will tell you why we are collecting and retaining it upon your request. We use information to protect and administer our customers' records, accounts and funds; to comply with certain laws and regulations; to help design or improve our products and services; to understand the customers' financial needs; and to provide quality products and outstanding service.

Restrictions on the Disclosure of Account Information
We do not disclose any nonpublic personal information about our customers or former customers with anyone except in order to complete transactions initiated by you or as permitted by law. We may disclose all of the information we collect as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have a joint marketing agreement.

Our Maintenance of Accurate Information
We have implemented procedures to help assure that our customers' financial information is accurate, current and complete in accordance with commercial standards. While some procedures are required by federal or state law, we also have procedures for responding to requests to correct inaccurate information in a timely manner, and to update information and remove old information regarding the customer's relationship with our company that they believe to be inaccurate.

Limiting Employee Access to Information
Each employee is required to follow our company's "Code of Conduct", which states that all customer information is considered private and privelaged and is to be used solely for the purpose of providing you with the finest service available.

Protection of Information
Chickasha Bank and Trust Company is committed to the security of your financial and personal information. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Providing Privacy Information to Customers and Responding to Inquiries
Chickasha Bank and Trust Company recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed this Privacy Policy which is made readily available to our customers. Customers who have questions about this Privacy Policy or have any other questions about the privacy of their customer information should contact the Customer Service Department at 405/222-0550 or e-mail us at questions@chickashabank.com.

We reserve the right to amend this policy at any time by giving proper notice to our customers.