Town Center Bank Privacy Statement

Town Center Bank has adopted the following:

Recognition of a Customer's Expectation of Privacy

Town Center Bank recognizes and respects the privacy of our customers. Town Center Bank has established policies and procedures to prevent misuse of our customers' confidential and private information.

Use, Collection and Retention of Customer Information

Town Center Bank does not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. Town Center Bank collects, retains and uses information about individual customers only where it is allowed by law and the institution reasonably believes it is useful in administering the institution's business, and in providing products, services and other opportunities to our customers. Town Center Bank does not currently sell data. Additionally, Town Center Bank does not have any future plans to change our policy on selling data. In the event that the institution begins to sell customer data, the customer will be notified and presented with the opportunity to "opt out," whereupon that customer's personal data will not be sold.

Maintenance of Accurate Information

Town Center Bank has established procedures to ensure that our customer's financial information is accurate, current and complete in accordance with reasonable commercial standards. Town Center Bank will respond in a timely manner to customer requests to correct inaccurate information.

Limiting Employee Access to Information

Town Center Bank limits access to our customer's confidential and private information to employees with legitimate business reasons for knowing such information. Town Center Bank will educate our employees about the importance of confidentiality and customer privacy. Employees will be appropriately disciplined for any failure to comply with these "Privacy Principles".

Protection of Information via Established Security Procedures

Town Center Bank maintains appropriate security procedures regarding unauthorized access to customer information.

Restrictions on the Disclosure of Account Information

Town Center Bank does not reveal specific information about our customers or their transactions to unaffiliated third parties for their independent use, unless the information is provided 1) to help complete a customer-initiated transaction, 2) to help administer the institution's bona fide business, 3) at the customer's request, 4) to comply with a legal requirement (i.e., subpoena), 5) to a reputable information reporting agency (i.e., credit bureau) or 6) after the customer has been informed about the possibility of such disclosure through prior communication and is given the opportunity to decline (i.e., "opt out").

Maintaining Customer Privacy in Business Relationships with Third Parties

Whenever Town Center Bank does provide specifically identifiable customer information to a third party, Town Center Bank insists that the third party adhere to similar "Privacy Principles" that provide for keeping such information confidential.

Disclosure of "Privacy Principles" to Customers

Town Center Bank will make the "Privacy Principles" available to our customers to give them a better understanding of our commitment to safeguarding confidential and private information.

Special Information Applicable to Electronic (Internet) Banking

Town Center Bank "Privacy Principles" will apply to customers' confidential and private information with regard to both traditional and non-traditional (i.e., Internet) banking activities. However, due to the unique nature of the Internet and the ease with which information can be exchanged, Town Center Bank feels it is important for customers to be aware of the unique issues surrounding Internet Banking.

Serving Legitimate Internet Banking Customers

Town Center Bank collects generic information about visitors to our website. This information includes the date and time of access, the Internet service provider's address, the web browser used, and the visitor's physical location.

Town Center Bank requires customers to utilize specific passwords for access to confidential and private information. Town Center Bank reminds customers of their responsibility to safeguard login Ids and passwords. In addition, commercial customers should carefully screen those employees to whom user Ids and passwords are granted.

Town Center Bank utilizes encryption, firewall, router, third party verification procedures and other security software and hardware to help prevent unauthorized eavesdropping of and access to customers' confidential and private information.

Town Center Bank utilizes virus protection software to help prevent the spread of computer viruses.

Town Center Bank reminds all of our customers that links in the institution's website can be linked to websites not under our control. These websites will not necessarily comply with Town Center Bank "Privacy Principles" and security standards.

Town Center Bank reminds all of our customers that confidential and private information may be compromised in both traditional and non-traditional banking activities. Town Center Bank can only establish policies and procedures to help restrict use of and access to confidential and private information. If any Town Center Bank customers believe that confidential and private information has been compromised, please contact Town Center Bank immediately so that the potential breach can be investigated.

Comments or Complaints by Customers

Any comments or complaints about this policy, any privacy-related issue or any inaccuracy in customer data can be made by contacting:

Paul Kunde
Town Center Bank
P.O. Box 2984
Coppell, Texas 75019-8984

Consumer Complaint Notice

Town Center Bank is chartered under the laws of the State of Texas and by state law is subject to regulatroy oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Town Center Bank should contact the Texas Department of Banking through one of the means indicated below:
In Person or U.S. Mail:
2601 North Lamar Boulevard, Suite 300
Austin, Texas 78705-4294
Telephone: 877-276-5554
Fax: 512-475-1313
E-Mail: consumer.complaints@banking.state.tx.us
Website: www.banking.state.tx.us