Privacy Policy

FACTS

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 Payment History

• Account balances and Transaction history

• Credit history and Overdraft history

When you are no longer a 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 Austin Capital Bank SSB chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Austin Capital Bank Can you limit this sharing?

SSB share?

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

Yes

No

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 512-693-3600 or go to www.austi

ncapitalbank.com/contact-us.htm

l

Page 2

Who we are

Who is providing this notice?

Austin Capital Bank SSB

What we do

How does Austin Capital Bank SSB 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 Austin Capital Bank SSB collect my personal information?

We collect your personal information, for example, when you

• Open an account or Use your credit or debit card

• Pay your bills or Apply for a loan

• Make deposits or withdrawals from your account

We also collect your personal information from 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. See below for more on your rights under state law.

Definitions

Affiliates

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

• Austin Capital Bank SSB has no affiliates

Nonaffiliates

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

• Austin Capital Bank SSB 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.

• Austin Capital Bank SSB does not jointly market.

Other Important Information

Special Notice for State Residents: HOW TO FILE A COMPLAINT. Austin Capital Bank SSB is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Savings and Mortgage Lending. Any consumer wishing to file a complaint against Austin Capital Bank SSB should contact the Texas Department of Savings and Mortgage Lending through one of the means indicated below:

In person or by U.S. Mail: 2601 North Lamar Boulevard, Suite 201 Austin, Texas 78705-4294 Telephone Number: (877) 276-5550 Fax Number: (512) 936-2003

Electronic submission via the Department’s website: http://www.sml.texas.gov/consumerinformation/tdsml_consumer_complaints.html