Privacy Statement First Texas Bank Killeen

FACTS	WHAT DOES FIRST TEXAS BANK DO WITH YOUR PERSONAL INFORMATION?
FACTS Why?	WHAT DOES FIRST TEXAS BANK DO WITH YOUR PERSONAL INFORMATION? 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.
FACTS What?	WHAT DOES FIRST TEXAS BANK DO WITH YOUR PERSONAL INFORMATION? 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 Account balances Payment History Transaction or loss 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.
FACTS How?	WHAT DOES FIRST TEXAS BANK DO WITH YOUR PERSONAL INFORMATION? 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.

FACTS

WHAT DOES FIRST TEXAS BANK DO WITH YOUR PERSONAL INFORMATION?

FACTS

Why?

WHAT DOES FIRST TEXAS BANK DO WITH YOUR PERSONAL INFORMATION?

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.

FACTS

What?

WHAT DOES FIRST TEXAS BANK DO WITH YOUR PERSONAL INFORMATION?

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
Account balances
Payment History
Transaction or loss 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.

FACTS

How?

WHAT DOES FIRST TEXAS BANK DO WITH YOUR PERSONAL INFORMATION?

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 INFO	DO WE SHARE?	CAN YOU LIMIT?
REASONS WE CAN SHARE YOUR PERSONAL INFO 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	DO WE SHARE? Yes	CAN YOU LIMIT? No
REASONS WE CAN SHARE YOUR PERSONAL INFO For our marketing purposes: to offer our products and services to you	DO WE SHARE? No	CAN YOU LIMIT? We Don't Share
REASONS WE CAN SHARE YOUR PERSONAL INFO For joint marketing with other financial companies:	DO WE SHARE? No	CAN YOU LIMIT? We Don't Share
REASONS WE CAN SHARE YOUR PERSONAL INFO For our affiliates’ everyday business purposes: information about your transactions and experiences	DO WE SHARE? Yes	CAN YOU LIMIT? No
REASONS WE CAN SHARE YOUR PERSONAL INFO For our affiliates’ everyday business purposes: information about your creditworthiness	DO WE SHARE? No	CAN YOU LIMIT? We Don't Share
REASONS WE CAN SHARE YOUR PERSONAL INFO For nonaffiliates to market to you:	DO WE SHARE? No	CAN YOU LIMIT? We Don't Share

QUESTIONS?	CALL 254-634-2132 OR GO TO WWW.FIRSTTEXASBANK.COM

WHAT WE DO
WHAT WE DO How does First Texas Bank - Killeen 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 whom access is appropriate.
WHAT WE DO How does First Texas Bank - Killeen 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 Make a wire transfer Give us your contact information We also collect your personal information from others, such as credit card bureaus, affiliates, or other companies.
WHAT WE DO 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.

WHAT WE DO

How does First Texas Bank - Killeen 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 whom access is appropriate.

WHAT WE DO

How does First Texas Bank - Killeen 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
Make a wire transfer
Give us your contact information

We also collect your personal information from others, such as credit card bureaus, affiliates, or other companies.

WHAT WE DO

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
DEFINITIONS Affiliates	Companies related by common ownership or control. They can be financial and non financial companies. Companies with a First Texas Bank name
DEFINITIONS Non Affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. First Texas Bank - Killeen does not share with non Affiliates so they can market to you.
DEFINITIONS Joint Marketing	A formal agreement between non affiliated financial companies that together market financial products or services to you. First Texas Bank - Killeen does not jointly market.

DEFINITIONS

Affiliates

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

Companies with a First Texas Bank name

DEFINITIONS

Non Affiliates

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

First Texas Bank - Killeen does not share with non Affiliates so they can market to you.

DEFINITIONS

Joint Marketing

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

First Texas Bank - Killeen does not jointly market.

OTHER IMPORTANT INFORMATION
OTHER IMPORTANT INFORMATION For Texas Customers The First Texas Bank - Killeen 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 indicated below: Texas Department of Banking 2601 North Lamar Boulevard Suite 300 Austin, Texas 78705-4294 Toll Free: (877) 276-5554 Fax: (512) 475-1313 consumer.complaints@dob.texas.gov www.dob.texas.gov

OTHER IMPORTANT INFORMATION

For Texas Customers
The First Texas Bank - Killeen 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 indicated below:

Texas Department of Banking
2601 North Lamar Boulevard
Suite 300
Austin, Texas 78705-4294
Toll Free: (877) 276-5554
Fax: (512) 475-1313
consumer.complaints@dob.texas.gov
www.dob.texas.gov