Privacy Notice

TEXAS CITIZENS BANK would like to assure our customers that we do not, and will not sell nonpublic personal customer information. We recognize the importance of your privacy and the confidentiality of your personal information. This notice is designed to inform you, a customer of TEXAS CITIZENS BANK, about the following:

• The kind of information that we collect
• The kind of information we share
• With who and when we share information
• The systems and procedures we have in place to keep your nonpublic personal information secure

The Kind of Information We Collect

We first define some terms:

• Nonpublic personal information means 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. Hereafter, we will use the term “information” to mean nonpublic information as defined in this section.
• An affiliate is 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 mean owning enough to have control.
• A nonaffiliated third party is a person we do not employ known as nonaffiliated third party, or simply, an “other party.”
• Opt out means a choice you can make to prevent certain sharing of information.  We will explain how you can exercise this choice.

In the normal course of our business relationship with you, we collect various kinds of information from different sources:

• Information that we receive from you in written, oral, or electronic applications for our products and services
• Information we receive from other parties, for instance; in an ACH transaction, a credit or debit card transaction, or when we verify information you provide on an application
• Information that we receive from consumer credit reporting agencies

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The Kind of Information We Share

We share the following information:

• Name, address, social security number
• Loan balance
• Loan collateral information
• Loan payment history
• Deposit balance
• Overdraft history
• Check verification information

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Who We Share With, and When

We will not share information about customers or former customer with nonaffiliated third parties.

A nonaffiliated third party is an organization outside our corporate family.

Occasionally, the law requires us to share information with non-affiliates, as in the following circumstances:

• A lawsuit, subpoena, or summons
• Criminal investigations
• Federal or State Bank examinations
• Levies or garnishments

In our everyday function of providing quality bank services, we are permitted to share information with non-affiliates to complete a transaction or maintain an account.  In daily operations, we share with the following:

• Credit reporting agencies
• ATM/debit card network
• Credit card processor
• Internet Banking service provider
• Attorneys, appraisers, title companies
• Data processor
• Security brokers
• Others to perform operational functions

When our customers write a check to a merchant, we will respond to an inquiry from that party to verify if there are sufficient funds in the account to pay the check.

We share information with our affiliates. Affiliates are other financial service providers that are members of our corporate family.

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Reasons For Disclosing

We anticipate that our affiliate will offer products or services that would benefit you.  We want you to have the opportunity to learn about the products and services that would best fit your needs.  We share with our affiliate your name and address, and also information about your loan transactions with us, such as deposit or loan balances, loan histories, and collateral.

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Limitation on Disclosure

Here are the limitations we impose on the use of information disclosed to other parties

• We only allow direct mail solicitations
• We do not allow telephone solicitations

Types of Businesses

 Here are the types of businesses with whom we may disclose information for outside marketing purposes:  

• Service providers that perform marketing services for us, such as;
  Direct mail companies

The examples illustrate with whom and when we share information, and are not intended to describe every situation. Remember that TEXAS CITIZENS BANK does not sell customer information.  We share information only as permitted by law.

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Keeping Information Secure

We restrict access to information about you to those employees who need to know that information in order to perform their job functions within the bank.  We maintain physical, electronic, and procedural safeguards that comply with federal regulations to protect your nonpublic personal information.  We educate our employees about the importance of confidentiality and customer privacy.

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About Privacy and the Internet

When you visit our website to view any pages, read product information, or use our online calculators and tools, you do so without giving us any information that identifies you personally.  We use standard software to collect blind data for the strict purpose of monitoring activity and interest in our site.  This allows us to determine how many people use our site and which pages and features are most popular. The only information we normally collect and store is:  

• The name of your Internet Service Provider (ISP)
• The date and time our site was accessed
• City, state, and country
• The page or pages you requested  

There could be instances where you may decide to provide us with personally identifying information.  If you fill out one of our applications or request forms, or send us e-mail, you are transmitting the information that you have included in these forms or messages. This could be information such as your name, mailing address, e-mail address, the kind of request you are making, and any other information necessary to fulfill your request.  

You never transfer personally identifying information that you do not enter yourself.  This is always your option; this information cannot be collected unless you specifically elect to send it to us.  This information is used internally only for the purpose of fulfilling your request or for contacting you directly.  

We will not share this information with any other organization unless it is necessary to complete a transaction, or required by law.  

When you submit to us an application or request form that you complete on our website, the information is encrypted, or scrambled, by your browser before it is transmitted to us.  This effectively prevents anyone from intercepting and reading any personal information about you.  

Please note that e-mail messages are not encrypted. You should be very cautious when sending e-mail containing personally identifying information about yourself or your account relationships.  In view of this, you may elect to communicate this information in another way, such as by mail or telephone.  

Our website and portal have a number of links to other websites.  These links are offered as a courtesy and a convenience to our customers.  Merchants on these websites may collect certain information from you when you visit their sites or when you provide them billing or shipping information. We strongly encourage you to review the privacy policies of these third parties for an explanation of how your information will be used.  

Our website is not targeting or marketed to children.

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YOU HAVE THE RIGHT TO CHOOSE

In this notice, we have explained our policy about the disclosure of certain information.

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Other Parties

We have explained the kinds of information we may disclose to other parties. We have also explained the kinds of other parties with whom we may disclose the information.  If you prefer that we do not disclose information to these other parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law).

Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us.

If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of that party’s information we have collected and for all information collected in conjunction with the product or service for all other joint parties. If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service.

If you wish to opt out of the disclosure of your information, you may do so by signing below and returning this form to us at this address:

Texas Citizens Bank

P.O.Box 7350

Pasadena Texas 77508

281-991-4949

Do not share my information with nonaffiliated third parties.

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Signature

Name(s)

Social Security Number(s)

Account Number(s)

Street Address

City, State, Zip

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