For more than 75 years, First Texas Bank, Belton, 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 reasonable believe that it will help
administer our business or provide products, services and other opportunities to
you.
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.
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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 transactions 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
P.O. Box 849
Belton, TX 76513
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.
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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
(254) 939-3701 or by mail at the following address:
Customer Service, First Texas Bank, P.O. Box 849, Belton, Texas 76513
Questions Regarding Privacy
If you have additional questions about privacy, please contact us in writing at
the following address:
Compliance Department, First Texas Bank, P.O. Box 849, Belton, Texas 76513
First Texas Bank in Belton also engages in the business of selling travelers
checks as an agent for American Express, 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 customer wishing to file a complaint concerning
sale of checks activities should contact THE TEXAS DEPARTMENT OF BANKING.
