Privacy Statement

It is the policy of The Bank of River Oaks to not disclose non-public personal information except as required by law. Financial services organizations are now required to disclose their privacy position and practices to their consumer customers. We, the Board of Directors, Officers, and Employees of The Bank of River Oaks herein adopt the following Privacy Policy Notice.

OUR PRIVACY PLEDGE TO YOU:

As our customer, you provide us with a variety of important information about yourself. It then becomes our responsibility to safeguard your personal information. While some financial institutions may share account owner information with other businesses, we are committed to keeping it confidential.

We are humbled at your having selected The Bank of River Oaks to satisfy your banking needs. In recognition of that special relationship that exists between a customer and their bank we have developed the following privacy policy to ensure the degree of confidentiality the situation warrants. You have our promise that we will steadfastly adhere to these guidelines.

THIS IS OUR PRIVACY PLEDGE TO OUR CUSTOMERS.

DEFINITION OF TERMS

We, our, and us, when used in this notice, means The Bank of River Oaks.

You and your, when used in this notice, means the consumer of The Bank of River Oaks with a continual banking relationship. These are customers that utilize one or more of the banking products/services offered:

• Deposit account
• Loan account
• Safe deposit box
• Mortgage brokerage services

Nonpublic 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 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 a nonaffiliated third party, or simply, an "other party".

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

• Information you give to 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

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

This is our privacy notice for our customers:

THE INFORMATION WE DISCLOSE ABOUT YOU

We do NOT disclose any information about you to anyone, except as required by law. (Examples of this might include disclosures necessary to satisfy reporting requirements concerning large cash transactions, respond to a request to garnish funds, etc.) 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.

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 and services to you. We maintain physical, electronic, and procedural safeguards to protect this information. The accuracy of customer information is critical to a successful banking relationship and the provision of services. If you believe information on record with The Bank of River Oaks is incorrect, please contact us at your earliest convenience so we can take the appropriate steps to correct any erroneous information.

INFORMATION ABOUT FORMER CUSTOMERS

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

TEXAS NOTICE – FILING A COMPLAINT

The Bank of River Oaks 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 customer wishing to file a complaint should contact the Texas Department of Banking through one of the means indicated below:

• In person or U.S. mail: Texas Department of Banking 2601 North Lamar Boulevard, Austin, Texas 78705-4294;
• Telephone No.: 512-475-1300
• Fax No.: 512-475-1313
• Web Site: www.banking.state.tx.us