FACTS

WHAT DOES FIRST TEXAS BANK 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 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 
• Payment history
• Transaction history

• Overdraft history
• Checking account information
• Wire transfer instructions

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 First Texas Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does First Texas 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 don't share

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

No

We don't share

For nonaffiliates to market to you

No

We don't share

Questions?

Call 254-634-2132 or go to www.firsttexasbank.com

What We Do

How does First Texas 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 maintain other physical, electronic, and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does First Texas Bank collect my personal information?

We collect your personal information, for example, when you

• Open an account  
• Apply for a loan
• Make deposits or withdrawals
   from your account

• Give us your contact information 
• Make a wire transfer

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. See below for more on your rights under state law.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies. 
• Our affiliates include: 
  • Companies with a First Texas Bank name

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies. 
• First Texas Bank 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. 
• First Texas Bank doesn't jointly market.

Other Important Information

For Texas Bank Customers. The First Texas Bank is chartered, licensed or registered 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 First Texas Bank should contact the Texas Department of Banking through one of the following means : In person, or by U.S. Mail: 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294; Telephone No. (877) 276-5554; Fax No. (512) 475-1313; E-mail: consumer.complaints@banking.state.tx.us, Website:www.banking.state.tx.us.
The First Texas Bank also engages in the business of selling checks and money transmissions as an agent for companies licensed under the laws of the State of Texas and subject to regulatory oversight by the Texas Department of Banking.
If you have any complaints regarding the company's money transmission activities, you should first contact: Western Union Financial Services, Inc., P.O. Box 4430, Bridgeton, Missouri 63044; 1-800-325-6000. If you have any complaints regarding the company's sale of check activities, you should first contact: America Express Company, Travelers Cheque Worldwide Operating Center, 4315 South 2700 West, Salt Lake City, Utah 84184-042400; 1-800-221-7282 or 1-801-945-2711 (Fax). If you still have an unresolved complaint after contacting Western Union or the America Express Company, then you should contact the Texas Department of Banking.

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