franklin bank - Privacy Policy, Texas Notice, and Security Information

Your Privacy Is Important to Us

You provide important information about yourself to a variety of businesses and organizations. The same is true when you do business with our financial institution. You are asked to provide us with certain personal information that helps us give you better service and complete your transactions more effectively.

We work diligently to safeguard the information you give us. In fact, we developed the following policies to ensure your confidentiality and maintain your confidence in our institution. These policies detail the strict standards we have in place. For this reason, we ask that you please read the following information carefully.

Notice of Your Financial Privacy Rights

We, our, and us, when used in this notice, mean Franklin Bank.

This is our privacy notice for our customers. You and your mean the following types of customers:

• Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
  • Deposit account
  • Loan account
  • Credit card account
  • Safe deposit box
  • Mortgage brokerage services

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply an "other party."

The Information We Collect

We collect information about you 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

The Confidentiality, Security, and Integrity of Your Information

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

Your Information and Other Parties

We will not disclose information about you to anyone, except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

Information about Former Customers

We do not disclose information about former customers, except as permitted by law.

Authorized Sharing - Outside Marketing Services

We may disclose the following information to companies that perform marketing services on our behalf:

• Information you give us on an application or other forms, such as:
  • Name
  • Address

We disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose information about you to other outside marketing services as permitted by law.

Types of Businesses

Here are the types of business with whom we may disclose information for outside marketing purposes:

• Service providers that perform marketing services for us, such as:
  • Direct sales companies

Reasons for Disclosing

We may disclose information about you to companies that perform marketing services on our behalf to provide you with information about additional products and services.

Your Information and Affiliates - Future Changes

In the future, we may disclose information about you to affiliates, even though we are not doing so now. Here are the kinds of information we may disclose to our affiliates:

• Information from our account records about your transactions and experience with us, such as:
  • Name
  • Address
  • Account balances
  • Account activity
  • Types of accounts
  • Parties to the transaction
  • Credit card usage
  • Payment history
  • Deposit history
  • Social security number

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

Types Of Affiliates

We may disclose information about you in the future to the following types of affiliates:

• Financial service providers, such as:
  • Mortgage bankers
  • Securities broker-dealers
  • Insurance agents

Reason For Disclosure

We may disclose information about you in the future to our affiliates:

• to provide you with information about additional products and services.
• to evaluate our total relationship with you and our family of companies and give you the best price that relationship deserves.
• to allow you to share with us the individual pieces of your overall financial plan.
• to give you the benefit of our entire relationship when paying overdrafts and determining credit limits.

Texas Notice

Franklin Bank, S.S.B. 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 the Franklin Bank, S.S.B. 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
• By telephone: 877.276.5550
• By fax: 512.475.1360
• By email: www.sml.state.tx.us/contacts.html

Special Information Applicable to the Bank's Website and Telephone Banking

Franklin Bank's privacy and information security principles will apply to customer's confidential and private information with regard to both traditional and non-traditional (i.e. Internet and telephone) banking activities.

To better serve legitimate telephone banking customers and website visitors:

• The 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.
• The Bank requires customers to utilize customer specific passwords to access that customer's confidential and private information. Franklin Bank reminds customers that it is their responsibility to safeguard their passwords. Further, commercial customers should carefully screen those employees to whom passwords are granted.
• The Bank utilizes virus protection software to help prevent the spread of computer viruses.
• The Bank reminds all of our customers that links to websites not under our control can be found in the bank's websites. These websites will not necessarily comply with the Bank's privacy and information security principles and security standards.
• The Bank reminds all of our customers that confidential and private information may be compromised in both traditional and non-traditional banking activities.
• The Bank can only establish policies and procedures to help restrict the use and access to confidential and private information. If any Franklin Bank customers believe their confidential and private information has been compromised, please contact the 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:

Deposit Operations Manager
Franklin Bank, S.S.B.
P. O. Box 300489
Austin, Texas 78703-0009

We cannot guarantee the security of regular email transmissions, therefore, do not send us an email that contains private information, e.g. account numbers, balances.