Texas Bank and Trust Company’s directors, officers and employees recognize and respect how important personal privacy is to our customers. Because of our interest in protecting your privacy, we continue to examine the practices of our bank. Texas Bank and Trust Company has adopted the following privacy policy, continuing our commitment to provide quality service to you, our valued customer:

Recognition of Our Customer’s Expectation of Privacy

            At Texas Bank and Trust Company, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. Thus, we maintain standards and procedures designed to protect against the misuse of this information.

Our Collection, Use and Retention of Customer Information

            We collect, use and retain information about our customers only where we reasonably believe that it will help administer our business or provide products, services, and other opportunities to our customers. We collect and retain information only for specific business purposes and we will tell you why we are collecting and retaining it upon your request. We use information to protect and administer your records, and services and to understand your financial needs so that we can provide you with quality products and superior service.

Our Maintenance of Accurate Information

            Realizing that accuracy of information is a major concern for our customers, Texas Bank and Trust Company has established procedures to ensure that this financial information is accurate, current and complete, in keeping with reasonable commercial standards. We also pledge to respond to requests to correct inaccurate information in a timely manner.

Limiting Employee Access to Information

             At Texas Bank and Trust Company, employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information and on these privacy principles. Because of the importance of these issues, Texas Bank and Trust Company employees are responsible for maintaining the confidentiality of customer information and employees who violate these principles will be subject to disciplinary measures.

Protection of Information via Established Security Procedures

            Texas Bank and Trust Company is committed to the security of our customers' financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

Restrictions on the Disclosure of Account Information

            Texas Bank and Trust Company does not reveal specific information about customer accounts or other personally identifiable data to our “affiliates” or to “nonaffiliated third parties” for their independent use unless: 1) Our customer has requested or authorized it; 2) the information is provided to help complete a transaction initiated or authorized by the customer; 3) the information is provided to a reputable credit bureau or similar information reporting agency; or 4) revealing the information otherwise is lawfully permitted or required. Texas Bank and Trust Company does not provide accounts or personal information to non-affiliated companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

Maintaining Customer Privacy in Business Relationships with Third Parties

            At times it is necessary to provide personally identifiable information about Texas Bank and Trust Company customers to a third party, such as a vendor or service company that is hired to provide data processing services or provide support or service for one of our products. Texas Bank and Trust Company will require these vendors and service providers, as part of a contract or agreement, to safeguard our confidential customer information and abide by applicable law.

Internet and Electronic Privacy

            This site is maintained by Texas Bank and Trust Company, P.O. Box 3188, Longview, Texas 75606. We can also be reached by email at cservice@texasbankandtrust.com.           

It is our goal to provide to you, through our website, access to our products and services at any time or day of the week. If you are already a Texas Bank and Trust Company customer, we thank you for your account relationship. If you are not, then we hope our site answers your questions about our products and services.

It is our Pledge to you that visitors to Texas Bank and Trust Company’s website will remain anonymous. We do not collect identifying information about visitors to our site. Texas Bank and Trust Company does use standard software to collect non-identifying information about our visitors, such as:    
     -Date and time our site was accessed
     -Originating IP address (a numeric address given to servers connected to the Internet)
     -Web browser used
     -City, State, and Country

The bank uses this information to create summary statistics and to determine the level of interest in information available on our site.

Visitors may elect to provide us with personal information. If you elect to provide us with such information via e-mail or by using the on-line forms, please keep in mind that your e-mail address and other information will be revealed to us. This information is used internally, as appropriate, to handle the sender’s request. It is not disseminated or sold to other organizations. You may make corrections to information you provide to us until you exit the page in which you are entering the information. The information you provide to us is used by our employees only on a “need to know” basis.  Passwords to customers' accounts are encrypted and therefore unreadable by employees.

The TB&T online banking section of our website uses multifactor authentication to restrict unauthorized usage.  Customers requesting access to online banking must be properly identified according to our Customer Identification Policy.

Providing Privacy Information to Customers and Responding to Inquiries

Texas Bank and Trust Company recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed these privacy principles, which are made readily available to our customers. Customers who have questions about these privacy principles or have a question about the privacy of their customer information should call Texas Bank and Trust Company’s Privacy Officer – Scott Dickerson at (903) 237-5675, or e-mail us at sdickerson@texasbankandtrust.com.