The State Bank of Texas > Privacy Policy

Rev 01/2011

FACTS	WHAT DOES THE STATE BANK OF TEXAS 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 and Credit History • Account Balances and Account Transactions • Payment History and Checking Account Information When you are no longer our customer, we continue to share your information as described in this notice.

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 The State Bank of Texas chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information		Does The State Bank of Texas 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		No	We don’t share
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		No	We don’t share


Questions?	Call 713-681-2265 or go to www.tsbot.com

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What we do

How does The State Bank of Texas 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 The State Bank of Texas collect my personal information?

We collect your personal information, for example, when you

• open an account or show your driver’s license

• pay your bills or apply for a loan

• make deposits or withdrawals from your account

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

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 nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

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

• The State Bank of Texas has no affiliates

Nonaffiliates

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

• The State Bank of Texas does not share with nonaffiliates so they can market to you

Joint marketing

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

• The State Bank of Texas doesn’t jointly market

The State Bank of Texas is chartered under the laws of the State of Texas and by state law and is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against The State Bank of Texas should contact the Texas Department of Banking.

The State Bank of Texas also engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram and Travelex under Chapter 151 of the Texas Finance Code. After first contacting MoneyGram (1-800-542-3590) or Travelex (1-888-713-3424), a customer that still has an unresolved complaint regarding the company’s money transmission or currency exchange activity should direct the complaint to the Texas Department of Banking.

Consumers/customers may file complaints with the Texas Department of Banking by contacting the Department 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: consumer.complaints@dob.texas.gov

Website: www.dob.texas.gov