FACTS

WHAT DOES THE FIRST NATIONAL BANK OF FORT SMITH
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 type of personal information we collect and share depends on the product or service you have with us. This information includes:
■ Social Security Number and Account Transactions
■ Account Balances and Payment History
■ Income and Credit History
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 customer's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer's personal information; the reasons The First National Bank of Fort Smith chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does The First National Bank of Fort Smith 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

YES

NO

For joint marketing with other financial companies

NO

We Don't Share

For our affiliates' everyday business purposes --
information about your transactions and experiences

YES

NO

For our affiliates' everyday business purposes --
information about your creditworthiness

YES

YES

For our affiliates to market to you

YES

YES

For nonaffiliates to market to you

NO

We Don't Share

To limit our sharing

■   Call 479-788-4600 or
■   Visit us online: www.fnbfs.com/privacy

Please Note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. 

Questions?

Call (479) 788 - 4600 or go to www.fnbfs.com/privacy

Who we are

Who is providing this notice?

The First National Bank of Fort Smith.
First National Bank of NWA, a division of The First National Bank of Fort Smith.
National Bank of Sallisaw, a division of The First National Bank of Fort Smith

What we do

How does The First National Bank of Fort Smith 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 The First National Bank of Fort Smith collect my personal information?

We collect your personal information, for example, when you
■  Open an account or Apply for a loan.
■  Make a wire transfer or Give us your contact information.
■  Provide account information.
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

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 creditworthiness.
■  Affiliates from using your information to market to you.
■  Sharing for nonaffiliates to market to you.
State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account—unless you tell us otherwise.  

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies:

Our affiliates include First Bank Corp (Financial Holding Company) which owns a controlling interest in the financial companies: The First National Bank of Fort Smith; Citizens Bank and Trust Company; and BHC Insurance. First Bank Corp also owns a controlling interest in the nonfinancial company, Realty Appraisals Inc.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

■  The First National Bank of Fort Smith does not share with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

■  The First National Bank of Fort Smith does not Jointly Market.