Texas First Bank - Privacy & Disclosures

The following privacy principles were established to maintain the security, integrity and confidentiality of your personal financial information.

The type of information we collect -
We routinely collect and retain the information we obtain from your account applications you provide to us, from transaction history (for deposits, loans, credit cards, etc., you obtain from us). We also obtain information from credit reporting agencies, credit bureau or check reporting companies.

This information helps us:

To establish and administer your accounts. (Example: We ask for personally identifying information to protect your accounts from fraud.)
To satisfy certain regulatory requirements. (Example: When you open an account that pays interest, we are required by the IRS to obtain your social security number.)
Better understand you so that we may provide you with additional or improved products and services. (Example: We require information concerning your credit history and your assets to determine if you qualify for loan approval.)

We do not share our current or previous customers' nonpublic information with any affiliate or with non-affliated third parties except as permitted or required by law.

How is that information protected?Access to your personally identifiable financial information is limited to employees with a specific business reason for utilizing this data. Our employees are educated about the importance of maintaining confidentiality and customer privacy. If necessary, we take appropriate disciplinary steps to enforce our employee's responsibility to protect your very personal information. In order to prevent unauthorized access to your information, we maintain security standards and procedures that conform with industry practices. These security standards and procedures are routinely tested to verify the integrity of our systems.

The Texas First Banks are chartered under the laws of the State of Texas and by state law are subject to regulatory oversight by the Texas Department of Banking.

The Texas First Banks also engage in the business of selling checks as an agent for MoneyGram International, Inc., which company is licensed under the laws of the State of Texas and is subject to regulatory oversight by the Texas Department of Banking.

Any consumer wishing to file a complaint against any of the Texas First Banks or MoneyGram International, Inc. for any reason, including the sale of checks activities, 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: (512) 475-1313
E-mail should you have a complaint:
Website: www.banking.state.tx.us

ELECTRONIC TRANSFER ERROR RESOLUTION NOTICE

DIRECT INQUIRES TO OUR CUSTOMER SERVICE DEPARTMENT

In Case of Errors or Questions About Your Electronic Transfers Contact Us at:

TEXAS INDEPENDENT BANCSHARES, INC.
BOOKKEEPING DEPARTMENT
3000 FM 1764, LA MARQUE, TEXAS 77568
Business Days: Monday through Friday
Excluding Federal Holidays
Phone: 409-948-1993
To report a lost or stolen Visa Check Card after hours,
weekends or holidays, please call 1-800-554-8969

Call or write us as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

Tell us your name and account number (if any).

Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (5 business days for Visa Check Card point-of-sale transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for Visa Check Card point-of-sale transactions and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.