Privacy Policy
Privacy Policy and Disclosure of Use of Information

Extraco Corporation and its member bank and subsidiaries strive to be the premier financial service providers in Central Texas.

Our Website is designed to provide information about our many deposit, loan, and other financial services and help you effectively and conveniently manage your finances.

Using our Website to take advantage of these services may require that you provide us with personal information. We respect and recognize your concern about the use and protection of any personal information provided to us and accordingly:

• You may visit our Website and obtain information about us and our services without providing any personal information to us.
• We may retain non-personal information about visitors to our Website such as username, the date and time of your visit and the city and state from which the visit occurred. Such non-identifying information will be used for statistical purposes to help determine the level and geographical distribution of interest in our Website, and to identify users who have previously visited our Website.
• Personal information may be required to enable certain services and information to be made electronically available to you. Your E-mail address may be retained in order to enable us to better communicate with you. Any personal information provided by you as well as your e-mail address will be appropriately used to provide services and information and for other legitimate business purposes by Extraco. Such information will not be provided to third parties excepted as permitted by law.
• You should safeguard your accounts. Electronic banking is a convenient and safe way for conducting your financial transactions with us. The advantages of electronic banking are made possible through the use of access codes, personal identification numbers (PIN's), user names, and passwords that allow online access to your accounts. To protect your money and your financial privacy, keep your codes and other access devices and names secret and guard them against being obtained and used by unauthorized persons. Providing your access codes, PIN's user names, passwords or any other information that allows access to your accounts and financial information, to others may expose your accounts to fraud, the risk of theft of your money, and the compromise of your financial privacy. Permitting others access to these and other access codes may establish your responsibility for their unauthorized use or misuse and result in your liability for any loss of funds from your accounts. You should review the terms and conditions of your account agreements and immediately report any unauthorized activity to us.

Our Website is not directed to children less than 13 years of age and we do not knowingly collect personal information from children. If we have actual knowledge of receiving unsolicited personal information from a child through our "contact us" button, other Website portal or avenue, or via E-Mail we will take one of two actions: (a) we may collect a child's name and contact information for the purpose of responding one time to the child and will then immediately delete the information; or (b) we may immediately delete the information entirely without responding.

Notice of Disclosure of Information About Customers

Protecting your privacy and the confidentiality of customer information is important to us and we want you to understand what information we collect and how we use it. The standards we have set forth below to safeguard the privacy of our customers and former customers are followed by Extraco Corporation, Extraco Delaware Corporation, Extraco Banks, NA and Extraco Community Development Corporation, herein referred to collectively as "Extraco companies" or "Extraco."

What Information We Collect

We may collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us or others; and
• Information we receive from third parties such as credit bureaus

What Information We Disclose

We may as permitted by law share information about our experiences or transactions with you or your account (such as your account balance and your payment history with us) among Extraco companies. Additional information about you or your account will not be shared among Extraco companies without your permission.

We may disclose all of the information we collect, as described above, to companies that perform services for us or functions on our behalf or to companies that perform marketing services on our behalf with whom we have joint marketing agreements. In addition, we may make disclosures to other nonaffiliated parties as permitted or required by law.

We do not disclose any nonpublic information to third parties except as permitted or required by law.

Our Security Procedures

We restrict access to your personal and account information to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.