Policies/Disclosure/Notices

As your Bank, we know that you trust us with important personal and financial information. We respect and value our relationship with you and are firmly committed to protecting your confidential information.

FACTS	WHAT DOES BANDERA FIRST STATE BANK DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies chose 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 types of personal information we collect and share depend on the product or service you have with us. This information can include: · Social Security number and Checking account information · Payment History and Transaction or loss history · Account balances and Account transactions 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 customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Bandera First State Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information		Does Bandera First State Bank 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		No	We do not share customers’ information
For joint marketing with other financial companies		No	We do not share customers’ information
For our affiliates’ everyday business purposes— Information about your transactions and experiences		No	We do not share customers’ information
For our affiliates’ everyday business purposes— Information about your creditworthiness		No	We do not share customers’ information
For non-affiliates to market to you		No	We do not share customers’ information

Questions?

Call 830-796-3100 or go to www.banderafirst.com

Who we are

Who is providing this notice?

Bandera First State Bank

What we do

How does Bandera First State Bank 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.

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for who access is appropriate.

How does Bandera First State Bank collect my

personal information?

We collect your personal information, for example, when you

· Open an account or Apply for financing

· Give us your contact information or Show us your driver’s license

· Seek advice about your investments

We also collect your personal information from other sources, 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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions

Affiliates

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

· Bandera First State Bank does not share customer information with our affiliates.

Non-affiliates

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

· Bandera First State Bank does not share customer information with non-affiliates so they can market to you.

Joint marketing

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

· Bandera First State Bank does not jointly market.

Other important information

For Texas Bank Customers: Bandera First State Bank is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Bandera First State Bank should contact the Texas Department of Banking.

Complaints concerning Bandera First State Bank should be directed in person, or by U.S. Mail to:

Texas Department of Banking

2601 North Lamar Boulevard, Suite 300

Austin, TX 78705-4294

Telephone (Toll Free): 877-276-5554 Fax: 512-475-1313 Email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it Internet: www.banking.state.tx.us

U.S. Patriot Act

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING OR CHANGING AN ACCOUNT WITH BANDERA FIRST STATE BANK

Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.

What this means to you: when you open an account or change an existing account, we will ask each person for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them. We will ask to see each person’s driver’s license and other identifying documents and copy or record information from each of them.

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