For more than 100 years, First Texas Bank, Georgetown, Texas, has recognized and respected our customers’ right to privacy.

In the course of our business, we have access to confidential information concerning the financial affairs of existing and prospective customers. We are committed to maintaining the confidentiality of that information, which is consistent with our company’s core values of integrity, caring and excellence.

As we meet the highest legal and ethical standards in the conduct of our business, First Texas Bank observes both the letter and the spirit of the law surrounding customer privacy issues.

Maintaining the confidentiality of the information you entrust with us is a responsibility we take very seriously. We collect, maintain, use and share information about you only where we reasonably believe that it will help administer our business or provide products, services and other opportunities to you.

THIS STATEMENT PERTAINS TO INDIVIDUAL CUSTOMERS OF THE FIRST TEXAS BANCORP, INC. FAMILY OF COMPANIES

Our privacy statement is specifically designed for the protection of consumers or individuals obtaining a financial product or service from us for primarily personal, family or household purposes.

This privacy statement covers First Texas Bancorp, Inc. and its following subsidiaries: First Texas Bank, Belton, Texas; First Texas Bank, Georgetown, Texas; First Texas Bank, Killeen/Copperas Cove, Texas; First Texas Bank, Lampasas, Texas; First Texas Bank, Round Rock, Texas; and First Texas Data, Inc.

TYPES OF PERSONAL INFORMATION

We collect various types of information about you during the normal course of offering and providing financial products and services. Examples of such information are:

* Information you provide in order to obtain or maintain a service or product, such as deposit account or loan application data
* Communications from you regarding your account(s), such as a change of address request
* Information gathered from your transactions and account history with us, our affiliates, and others, such as the average balance of your savings account or your loan payment history
* Third party processor transactions such as ATM usage
* Information obtained from third parties such as consumer reporting agencies or credit bureaus to evaluate a loan application

USE OF PERSONAL INFORMATION

We use your personal information to verify your identity, provide you with quality customer service and evaluate your request for products and/or services. We also use your personal information to contact you about offers we believe will be of value to you.

SHARING OF PERSONAL INFORMATION WITH OTHER FIRST TEXAS BANCORP, INC. COMPANIES

We may share information about you, as a current or former customer, within our family of companies in order to provide you with better service and information about financial products that may interest you. For example, we may share transaction and account experience information about you within our family of companies. However, we do not share personal financial information obtained from applications or credit reports with another company unless it is helping us respond to your request or service your existing relationship with us, such as helping us evaluate your application or review your existing account.

SHARING OF PERSONAL INFORMATION WITH THIRD PARTIES

Individuals or companies outside of the First Texas Bancorp, Inc. family of companies are considered third parties. Financial institutions are permitted (and sometimes even required) to share customer information with third parties for certain purposes, such as servicing customer relationships, fraud and risk management, and responding to transaction requests.

We may share personal information with a third party company in order to offer or support a product or service that we provide to you. For example, we share information with the third party processor that processes your ATM transactions for us.

We also share personal information as legally required. We may share personal information with law enforcement agencies or other third parties to prevent or investigate suspected fraudulent activities.

We also provide personal information regarding our customers’ accounts to credit bureaus for credit reporting purposes. If you believe we have provided inaccurate information to a credit bureau, please contact us in writing with your account number and other pertinent information at: Customer Service, First Texas Bank, PO Box 649, Georgetown, Texas 78627.

SHARING OF PERSONAL INFORMATION WITH MARKETING COMPANIES

We do not sell customer or former customer lists or personal information to list brokers, marketing firms or to other third parties.

HOW WE KEEP INFORMATION PRIVATE

We have internal policies and procedures designed to keep customer information safe. These include:

* Allowing access to customer information only to authorized employees who need that information to perform specific job responsibilities
* Maintaining physical, electronic and procedural safeguards that comply with federal regulations to guard customer information
* Training employees on privacy and implementing disciplinary procedures for any employees who violate our procedures

MEDICAL AND HEALTH INFORMATION

We do not share any medical or health information among our family of companies or with third parties, except to process transactions or to provide services you have requested or initiated.

REPORTING INCORRECT INFORMATION

If you believe any information we have about you or your relationship with us is incorrect, please notify us at once. We will take prompt action in making the appropriate corrections. You may contact us in person or by phone at 512-863-2567, or by mail at the following address: Customer Service, First Texas Bank, PO Box 649, Georgetown, Texas 78627.

QUESTIONS REGARDING PRIVACY

If you have additional questions about privacy, please contact us in writing at the following address: First Texas Bank, PO Box 649, Georgetown, TX 78627.

"The First Texas 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 First Texas Bank should contact the Texas Department of Banking.

First Texas Bank also engages in the business of selling travelers checks as an agent for a company licensed under the laws of the State of Texas and subject to regulatory oversight by the Texas Department of Banking.

If you have an complaints regarding the company's money transmission or currency exchange activity, you should first contact:

If you still have an unresolved complaint after contacting American Express Company, then you should contact the Texas Department of Banking.

Consumers may file complaints with the Texas Department of Banking by contacting the Department through one of the means indicated below: