Notice of Your Financial Rights

Introduction

The Board of Directors of Access 1st Capital Bank acknowledges that the basis of our relationships with you is trust. As your financial institution, we are entrusted with sensitive personal and financial information about you. We also know that you have an expectation of privacy in your dealings with us. We respect your privacy and are committed to treating your information with the utmost responsibility. We ensure this through the Privacy Policy stated below.

Maintenance of Accurate Information

We have procedures in place to ensure that your personal and financial information is as accurate, current and complete as possible. If you believe any of the information we have is incorrect, please contact our Customer Service Department at 940-382-3962 as soon as possible. Any inaccurate information will be corrected as quickly as possible.

Employee Access and Use of Customer Information

Bank employees’ access to information is limited to only the personally identifiable customer information required to conduct the specific duties associated with the employee’s job function. We train our employees about the importance of confidentiality. In addition, each of employees is required to follow our policies and procedures which state that all customer information is considered private and privileged and is to be used solely for the purpose of providing you with the best service possible. Disciplinary measures are taken when employees violate policies and procedures.

Protection of Information via Established Security Procedures

Access 1st Capital Bank safeguards information according to our established security programs which include physical safeguards, electronic safeguards as well as ensuring exceptional employee training regarding safeguarding information. All of our operational and data processing are located in secure environments that protect your account information from unauthorized access. We maintain and grant access to your information only in accordance with our security standards.

Use, Collection and Retention of Customer Information

We collect, retain, and use nonpublic information about you in instances where we reasonably believe that it will help provide products, services, administer our business and provide other opportunities to you. We collect this information from the following sources:

• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency
• Information we receive as a result of verifying customer information

We collect and retain this information only for specific business purposes. This information is used to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us with product development and design and improvement of our products and services; and to understand the financial needs of our customers. Access 1st Capital Bank may disclose this information to affiliates of Access 1st Capital Bank for the purpose of providing you access to additional products and services that we feel may be of interest to you, our customer. These affiliates include financial service providers. We may disclose all of the information we collect (as described below) on our customer, current and former, to nonaffiliated third parties that perform services on our behalf. We have entered into contractual agreements with these parties that prohibit them from disclosing or using the information other than to carry out the services which we have contracted them to perform on our behalf.

Restriction on the Disclosure of Account Information

We do not reveal specific nonpublic information about your accounts or other personally identifiable information with unaffiliated parties unless:

1. You request or authorize it,
2. The information is provided to help complete a transaction initiated by you,
3. The information provided to a reputable credit bureau or similar information reporting agency, or
4.  The disclosure is otherwise lawfully permitted or required.

We do not provide account or personal information to unaffiliated third party companies for the purpose of telemarketing or direct mail marketing.

Notify Us of Inaccurate information We Report to Consumer Reporting Agencies

Please notify us as soon as possible if we report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing the specific inaccuracy (ies) should be sent to us at:

Access 1st Capital Bank
P. O. Box 1429
Denton, TX 76202

Maintaining Your Privacy In Our Business Relationships

When Access 1st Capital Bank conducts business with third parties; it requires vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

TEXAS NOTICE

Access 1st Capital Bank is chartered, licensed, or registered under the laws of the State of Texas and by state law is subject to oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Access 1st Capital Bank should contact the Texas Department of Banking through one of the means indicated below:

In person or by U. S. mail:
2601 North Lamar Blvd., Suite 300
Austin, TX 78705
Telephone No: 877-276-5554
Fax No: 512-475-1313;
E-mail: consumer.complaints@banking.state.tx.us
Website:http://www.banking.state.tx.us