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IBT Privacy Policy Notice

Protecting your privacy is important to the bank and its employees. We want you to understand what information we collect and how we use it. In order to provide you with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain your information.

The following serves as a standard for all bank employees for collection, use, retention and security of nonpublic personal information.
Recognition of a Customer’s Expectation of Privacy We recognize and respect your privacy. We have established policies and procedures to prevent misuse of your confidential and private information.


Privacy Principles

The Information That We Collect
Nonpublic personal information is information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic information includes account balances, payment history, and overdraft history. It does not include information that is available from public sources such as telephone directories or government records. We collect nonpublic personal information from the following sources:

-	Information we receive from you on applications or other forms
-	Information about your transactions with us, our affiliates, or others
-	Information we receive from nonaffiliated third parties such as consumer reporting agencies

Use, Collection and Retention of Customer Information
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. We collect, retain, and use information about you only where it is allowed by law and we reasonably believe it is useful in administering the bank’s business, and in providing products, services and other opportunities to you. We do not currently sell data. Additionally, we do not have any future plans to change our policy on selling data. In the event that the bank begins to sell customer data, you will be notified and presented with the opportunity to “opt out,” whereupon your personal data will not be sold.

Maintenance of Accurate Information
We have established procedures to ensure that your financial information is accurate, current and complete in accordance with reasonable commercial standards. We will respond in a timely manner to written customer requests to correct inaccurate information.

Limiting Employee Access to Information
We limit access to your confidential and private information to employees with legitimate business reasons for knowing such information. We will educate our employees about the importance of confidentiality and customer privacy.

Protection of Information via Established Security Procedures
We maintain appropriate security procedures regarding unauthorized access to your information.

Restrictions on the Disclosure of Account Information
We do not reveal specific information about you or your transactions to unaffiliated third parties for their independent use, unless the information is provided

-	to help complete a customer-initiated transaction,
-	to help administer the bank’s bona fide business, at the customer’s request,
-	to comply with a legal requirement (i.e., subpoena),

-	to a reputable information reporting agency (i.e., credit bureau) or
-	after you have been informed about the possibility of such disclosure through prior communication and are given the opportunity to decline (i.e., “opt out”).

Maintaining Customer Privacy in Business Relationships
with Third Parties
Whenever we provide specifically identifiable customer information to a third party, we insist that the third party adhere to similar Privacy Principles that provide for keeping such information confidential.

Disclosure of Privacy Principles to Customers
We will make the Privacy Principles available to you to give you a better understanding of our commitment to safeguarding confidential and private information.

Special Information Applicable to Electronic (Internet) Banking
Our Privacy Principles will apply to your 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, we feel it is important for you to be aware of the unique issues surrounding Internet Banking.

To better serve legitimate Internet Banking customers:

-	We collect 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.
-	We require you to utilize specific passwords for access to confidential and private information. We will remind you of your responsibility to safeguard login ID and passwords. In addition, commercial customers should carefully screen those employees to whom user ID and passwords are granted.
-	We utilize encryption, firewall, router, third party verification procedures and other security software and hardware to help prevent unauthorized eavesdropping of and access to your confidential and private information.

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We utilize virus protection software to help prevent the spread of computer viruses.

Closed and Inactive Accounts
We will continue to adhere to our Privacy Principles for closed and inactive accounts.

Independent Bank of Texas is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Independent Bank of Texas should contact the Texas Department of Banking through one of the means indicated below:
In Person or by U.S. Mail: