Privacy Policy

Introduction
We appreciate you for choosing Century Bank of Oklahoma. We want to assure you that the information you share with us will be guarded carefully. We are very sensitive to your privacy needs, and 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 Customer's Expectation of Privacy
We believe that confidentiality and protection of customer information is one of our fundamental responsibilities. While information is critical to providing quality service, we recognize that the safekeeping of customer information is a priority for Century Bank of Oklahoma.

Customer Benefits of Institution's Information Management Practices
We collect, retain, and use information about you only when we reasonably believe that it will help administer our business or provide products, services, and other opportunities to you. We will use only this information for specific business purposes. We will tell you why we are collecting and retaining your information upon your request. We use information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your financial needs so that we can provide you with quality products and superior service. This policy explains these concepts in greater detail.

Maintenance of Accurate Information
We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies.

Limitations on Employee Access to Information
At Century Bank of Oklahoma, employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information and on these Privacy Principles. Because of the importance of these issues, all Century Bank of Oklahoma employees are responsible for maintaining the confidentiality of customer information and employees who violate these Privacy Principles will be subject to disciplinary measures.

Protection of Information via Established Security Procedures
We are committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by unauthorized third parties. We maintain and grant access to customer information only in accordance with our internal security standards. We also maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Nonpublic Information We Collect

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.

Restrictions on the Disclosure of Account Information
It is the Bank's policy not to reveal specific information about your accounts or other personally identifiable data to unaffiliated third parties for their independent use unless: 1) you request or authorize it; 2) the information is provided to help complete a transaction initiated by you; 3) the information is provided to a reputable credit bureau or similar information reporting agency; or 4) the disclosure otherwise is lawfully permitted or required (e.g., subpoena, investigation of fraudulent activity, request by regulator, etc.). We do not provide account or personal information to non-Century Bank of Oklahoma companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

Information We Disclose to Others
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

Maintaining Customer Privacy in Business Relationships with Third Parties
When the Bank conducts business with third parties, it requires its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

Providing Privacy Information to Customers and Responding to Inquiries
We recognize and respect the privacy expectations of our customers. We want you to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed these Privacy Principles which are made readily available to our customers. Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call Century Bank of Oklahoma at 918-825-7200.