NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean State National Bank of Texas.

This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers:

•	Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
	•	Deposit account
	•	Loan account
	•	Safe Deposit box
	•	Retail installment contract we hold and service

We will tell you the sources for non-public personal information we collect on our customers. We will tell you what measures we take to secure that information. We will first define some terms:

•	Non-public information means information about you that we collect in connection with providing a financial product or service to you. Non-public information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term “information” to mean non-public personal information as defined in this section.
•	An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
•	A non-affiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as an “other party”.

The Information We Collect

We collect information about you from the following sources:

•	Information we receive from you on applications or other forms;
•	Your transactions with us;
•	Your transactions with other parties;
•	Information from a consumer reporting agency; and
•	Information we receive as a result of verifying your personal information

Information We Disclose About You

We do NOT disclose any information about you to anyone, except as permitted by law. Examples of this might include disclosures necessary to service your account or to prevent unauthorized transactions.

The Confidentiality, Security, and Integrity of Your Information

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

Information About Former Customers

We do not disclose information about former customers, except as permitted by law.