Shamrock Bank N.A.

RESPECTING YOUR PRIVACY
OUR COMMITMENT TO SECURING YOUR
FINANCIAL INFORMATION

Customer confidentiality and security are extremely important to us. We respect your concerns regarding your “nonpublic personal financial information.” (This is your personal financial information, which is not publicly available through sources such as telephone books, court records or newspapers.)

Shamrock Bancshares, Inc. is the holding company of our organizations. Our family of corporations include our holding company, Shamrock Bancshares, Inc. and Shamrock Bank, N.A. with locations in Coalgate, Caddo, Mountain View, Clayton, Altus, Apache, and Durant. This privacy disclosure policy reflects the policy of the holding company and each of our family corporations.

INFORMATION WE COLLECT

We collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms, including your name; address; social security number; assets & income. information about your transactions with us, our affiliates, or others, such as:
Your account balance; payment history; parties to a transaction & credit card usage
Information we receive from a consumer reporting agency, such as:

Your credit worthiness & credit history.

INFORMATION WE SHARE

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. We share with our affiliates any report that solely contains information on transactions or experiences between our consumers and our corporate family.

EMPLOYEE ACCESS

Our pride is providing “old fashioned service.” Thus, to facilitate your needs our employees have access to account information on a need to know basis.

PROTECTING YOUR PRIVATE
FINANCIAL INFORMATION

We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information. If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.
We reserve the right to amend our privacy policy at any time with the proper notice as required by law.
If you ever have any questions or concerns regarding the privacy policies we have adopted, please do not hesitate to contact us.

Your Banking Rights
Electronic Funds Transfer Act Notice

In Case of Errors or Questions About Your Electronic Transfers
Telephone or write you local branch AT ONCE if you believe your card, PIN or other information which could provide electronic access to your account has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. Our telephone numbers and addresses are listed on your statement or you can telephone us at 580-927-2311 or write us at P.O. Box 267 Coalgate, OK 74538.

Telephone or write us as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

(1) Tell us your name and account number.
(2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
(3) Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for VISA Check Card Purchases) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Member FDIC © 2007
Shamrock Bancshares, Inc.
Shamrock Bank, N.A.
P.O. Box 267
101 North Main
Coalgate, OK 74538
580-927-2311