Privacy Notice

FACTS	What does PointBank 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 Income Account Balances Payment History Transaction History Credit History Credit Scores
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 why PointBank chooses to share customers’ personal information; and whether you can limit this sharing.

Reasons we can share your personal information	Does PointBank 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	Yes	No
For joint marketing with other Financial companies	No	We don’t share
For our affiliates’ everyday business purposes— Information about your transactions and experiences	No	We don’t share
For our affiliates’ everyday business purposes— Information about your creditworthiness	No	We don’t share
For nonaffiliates to market to you	Yes	Yes

To limit our sharing

Nonaffiliate sharing is confined to debit card transactions associated with the Buzz Points Reward Program. To limit this sharing, you may elect not to enroll in Buzz Points or discontinue participation in the Program.

Call 1-800-970-5526 or 940-686-7000 during business hours and a representative will assist you.

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing for nonaffiliates to market to you.

Questions?

Call 1-800-970-5526 or 940-686-7000 or go to www.pointbank.com

Who we are
Who is providing this notice?	PointBank
What we do
How does PointBank 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.
How does PointBank collect my personal information?	We collect your personal information, for example, when you open an account deposit money pay your bills apply for a loan use your debit card and/or credit card We also collect your personal information from others such as credit bureaus, affiliates, or other companies.
Why can’t I limit 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.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. PointBank has no affiliates
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include mortgage companies, insurance companies, direct marketing companies, and nonprofit organizations.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. PointBank doesn’t jointly market

Rev. 04/2020

Consumer Complaint Notice

PointBank is committed to providing exceptional customer service. We welcome the opportunity to address any concerns you may have. We encourage you to contact us using one of the following options:

In Person: At any of our convenient locations (visit https://www.pointbank.com/locations for locations)
By Mail: 400 Westway Street, Denton TX 76201
Telephone: (940) 686-7000, (972) 434-3200, or toll free (800) 970-5526
Monday through Friday 8:00am to 6:00pm and Saturday 9:00am to 12:00noon

Credit Report Disputes

PointBank may report information regarding your credit accounts with us to consumer reporting agencies and we make every effort to provide accurate information. Please notify us if we report any inaccurate information about your Account(s) to a consumer reporting agency. You should send your written notice describing the specific inaccuracy(ies) by mail to:
PointBank
400 Westway Street
Denton, TX 76201
Attn: Loan Operations

PointBank 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 PointBank should contact the Texas Department of Banking through one of the means indicated below:

In Person or U.S. Mail: 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294
Telephone: (877) 276-5554
Fax No: (512) 475-1313
Email: consumer.complaints@dob.texas.gov
Website: www.dob.texas.gov