Respecting the privacy and security of your personal information is important to us. This page explains the terms of our Privacy Policy. We urge you to read it carefully, and make note of your privacy rights. We've tried to explain in an easy-to-understand way some of the legal terms we are required to use to ensure clarity and consistency. We want to make sure that your personal information is protected, and that you understand the policies that protect you. You'll find the same terms used in many other companies' privacy policies.

Our Security Practices

We grant access to nonpublic personal information about you (such as your name, address, social security number, and credit history) only to those employees or our service providers who need to know that information so that they can fulfill their duties to provide products or services to you, process or service your accounts, or administer our business.

Our Code of Conduct requires that your information remain confidential. Even if you are no longer a customer, we will continue to treat your nonpublic personal information in the same way as if you were still a customer. In addition, we maintain physical, electronic and procedural safeguards that comply with federal standards to guard this nonpublic personal information. We continue to test and update technology that improves protection of your nonpublic personal information.

Personal Information We Collect

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

• From you, on our forms, via the internet, by telephone or otherwise. Examples of this type of personal information include your name, address, social security number, credit history and other financial information.
• From transactions with us, our affiliates or with others. For example, your payment histories, account balances, and other transaction records.
• From credit reporting agencies, such as information relating to your creditworthiness, your credit score, and credit usage.
• From third parties to verify information you have given us.

Use of Shared Information

We may share the nonpublic personal information that we collect, as described above, for the following purposes:

• To provide you with the products and services you requested.
• To offer you additional products and services from us or from others that may be of interest to you.
• To comply with reporting and other legal requirements.
• To otherwise conduct business.

Information Sharing Among Affiliates

Southwest Bancorp, Inc. is the holding company for both SNB Bank of Wichita and Stillwater National Bank & Trust Company (including the latter's divisions, SNB Bank of Dallas, SNB Bank of Austin and SNB Bank of San Antonio). These two financial institutions are "affiliates" for the purposes of this Privacy Policy.

Under the Fair Credit Reporting Act, we are permitted to share among affiliates your name, address, and facts about your transactions and experience with us (such as your payment history and other transactions on your accounts with us).

Nonpublic personal information other than transaction and experience information (for example, from third parties like credit bureaus) is referred to in this Privacy Policy as "Other Information". You have the right to ensure that Other Information is not shared with or among affiliates. Unless you check Box 2 on the Opt Out Form, we may share Other Information we collect among affiliates. Please see the section in this Privacy Policy called "Your Opt Out Options" for further instructions on how to exercise this right.

Information Sharing with Certain Nonaffiliated Third Parties that is Permitted by Law

Nonaffiliated third parties are those not owned or controlled by Southwest Bancorp, Inc.

In some cases, we are permitted by law to share all nonpublic personal information we collect, as described above, with certain nonaffiliated third parties like (1) companies that perform marketing services on our behalf or (2) other financial institutions with whom we have joint marketing agreements. For example, we may share nonpublic personal information with providers with which we offer products such as securities broker-dealers.

Additionally, we may share all nonpublic personal information we collect, as described above, with nonaffiliated third parties that assist us with preparing monthly statements, with the processing and the printing of checks, and with credit reporting agencies to whom we report information about your transactions with us.

You do not have a right to opt out of the disclosure of nonpublic personal information about you to nonaffiliated third parties in these situations. However, be assured we carefully select these companies and require them to agree to keep nonpublic personal information confidential and secure and use it only as authorized by us.


Information Sharing with Other Nonaffiliated Third Parties and Your Opt Out Rights

Unless you check Box 1 on the Opt Out Form, we may also share all nonpublic personal information we collect, as described above, with additional types of nonaffiliated third parties, such as

• Financial service providers, like an insurance agent.
• Retailers.

We only share nonpublic personal information with the intent to offer our customers services that we believe will benefit them. We do not sell nonpublic personal information to anyone. Again, be assured we carefully select these companies and require them to agree to keep all nonpublic personal information confidential and secure and use it only as authorized by us.

You have the right to ensure that nonpublic personal information is not shared with nonaffiliated third parties unless we are otherwise permitted by law to do so. Please see the section in this Privacy Policy called "Your Opt Out Options" for further instructions on how to exercise this right.

Your Opt Out Options

[NOTE: To opt out, you must follow our specific instructions. You will receive these instructions in writing, or electronically if you agree, on two occasions: 1) at the time you receive a new consumer product or service from the bank, and/or 2) in an annual mailing made to all of our customers who have a consumer product or service. These instructions will include the Opt Out Form referred to in this Policy.]

This section describes your opt out options. You may tell us your choices on the Opt Out Form.

Box 1 - Information Sharing with Other Nonaffiliated Third Parties
If you check Box 1 on the attached Opt Out Form we will not disclose nonpublic personal information to nonaffiliated third parties as described in the section above, unless we are otherwise permitted by law to do so.

Box 2 - Information Sharing Among Affiliates
The law allows us to share with our affiliates any information about our transactions or experiences with you. But, if you check Box 2 on the Opt Out Form, we will not share with our affiliates Other Information that you provide to us or that we obtain from third parties, unless we are otherwise permitted by law to do so.If you have a joint account, a choice to opt out by one owner/participant of the account will include all owners/participants of the account.

If you have a joint account, a choice to opt out by one owner/participant of the account will include all owners/participants of the account.

Your choice to opt out will apply to all products and services you receive from us.

If you have opted out in previous years, you do not need to return the Opt Out Form again.

Identity Theft

Identity theft is a serious and growing problem. If someone has fraudulently used your identification to establish credit, report the incident as soon as possible to each of the major credit reporting agencies listed below and ask that a fraud report be placed on your file.

Experian	888-397-3742
Equifax	800-525-6285
Trans Union	800-680-7289

You may also check to see if any additional credit accounts have been opened without your consent or whether unauthorized charges were billed to your accounts. Contact these credit reporting agencies to obtain a copy of your credit report.

Please note that this contact information is provided as a service to you. SNB is not affiliated with any of these companies and cannot guarantee their effectiveness.