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Privacy Statement

PointBank is strongly committed to maintaining the privacy of your personal information.

Notice of Your Financial Privacy Rights

We, our, and us when used in this notice mean PointBank.
This is our privacy notice for our customers.  When we use the words "you" and "your" we mean the following types of customers:

Our consumer customer who have a continuing relationship by purchasing or holding financial products or services such as a(n):

• Deposit Account
• Loan Account
• Safe deposit box
• Self-directed Individual Retirement Account
• Mortgage brokerage services

We will tell you the sources of information we collect about you.  We will tell you what measures we take to secure that information.  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 information does not include information that is available from public resources, 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 means owning enough to have control.

• A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as a nonaffiliated third party, or simply, an "other party".

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THE INFORMATION WE COLLECT

We collect information about you from the following sources:

• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency

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THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic, and procedural safeguards to protect this information.

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YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law.

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INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

AUTHORIZED SHARING -- JOINT MARKETING

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

Information you give us on an application or other forms, such as :

• Name
• Address

Information about your transactions with us, such as:

• Account Balances
• Types of Accounts

We disclose the information listed above with other financial institutions with whom we have joint marketing agreements.  You do not have a right to opt out of the disclosure of this information.

Types of Businesses

We may disclose information pursuant to joint marketing agreements to the following types of businesses:

Financial service providers, such as:

• Securities broker-dealers
• Insurance agents

Reasons for Disclosing

We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services.

How to File a Complaint

We are chartered, licensed and/or registered under the laws of the State of Texas and by state law are subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against us should contact the Texas Department of Banking through one of the means indicated below:

In Person or by U.S. Mail:     2601 North Lamar Boulevard, Suite 300

                                                   Austin, Texas 78705-4294

By Telephone:                         (877) 276-5544

By Fax:                                      (512) 475-1313

By E-Mail:                                  consumer.complaints@banking.state.tx.us

Via the Internet Website:     www.banking.state.tx.us

Visitors may elect to provide us with personal information via e-mail or online registration forms. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations. If you have questions about how information about you may be used in connection with this website, or if you have questions about PointBank's privacy policy, please contact us at 940-686-7000.

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