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NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS We, our, and us, when used in this notice, mean Star Bank of Texas. This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers: · Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as: o Deposit account o Loan account o Credit card account o Safe deposit box o Self-directed Individual Retirement Account 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 will tell you what information we share about you with other entities. We will explain what your rights are, and how you can exercise them. If you share an account relationship with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you is aware of our policy and your options. 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." Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice. 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 our affiliates · Information about your transactions with other parties · Information from a consumer reporting agency THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION Children’s Online Privacy COPPA, the Children’s Online Privacy Protection Act, protects children under the age of 13 from the collection of personal information on the Internet. Learn more about COPPA on the Federal Trade Commission’s Web site. Protecting children on the Internet is very important to Star Bank of Texas. We do not knowingly collect names, email addresses, or any other personally identifiable information from children. We do not knowingly market to children, nor do we allow children under 13 to open online accounts. Parents can be proactive and limit web site access to their children by installing filtering software that provides control over the family’s Internet experience. Children’s access to the Internet can permit them to visit inappropriate web sites and be exposed to unnecessary risks. Our website may include linked 3rd party sites that would be of interest to children. We are not responsible for the privacy and security practices of these sites. Parents should review the privacy policies of these sites closely before allowing children to provide any personally identifiable 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 may disclose information about you to anyone except as disclosed in this policy or as permitted by law. This might include disclosures necessary to service your account, perform joint marketing or prevent unauthorized transactions. 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: Transaction and experience information from our account records: · Information about your transactions and experience with us, such as: o Name o Address 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 the information, with exception to your right to opt out of the sharing of information "other" than listed above or information which may be used by affiliates for marketing solicitation. Types of Affiliates We may disclose information about you in the future to the following types of affiliates: · Financial service providers, such as: o Mortgage bankers o Securities broker-dealers o Insurance agents INFORMATION ABOUT FORMER CUSTOMERS We do not disclose information about former customers, except as permitted by law. YOUR INFORMATION AND OTHER PARTIES – FUTURE CHANGES In the future, we may disclose information to other parties. Here are the kinds of information we may disclose to these other parties: · Information you give us on an application or other forms, such as: o Name o Address · Information we received from a credit reporting agency, such as: o Creditworthiness o Credit history You may opt out of the disclosure of the information listed above. Types of Other Parties We may disclose information about you in the future to the following types of other parties: · Financial service providers, such as: o Mortgage bankers o Securities broker-dealers We may also disclose information about you to these other parties as permitted by law. YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR INFORMATION Other Parties. If you do not want us to share your information with other parties in the future, you can block the release of certain information. This is known as your right to "opt out." Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us. If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of that party's information we have collected and for all information collected in conjunction with the product or service for all other joint parties. If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service. If you wish to opt out of the disclosure of your information, you may do so by checking the appropriate box(es) on the Opt Out Notice that you received with this notice and returning it to us at this address: Star Bank of Texas YOU HAVE THE RIGHT TO CHOOSE In this notice, we have explained our policy about the disclosure of certain information. Other Parties. We have explained the kinds of information we may disclose to other parties in the future. We have also explained the kinds of other parties with whom we may disclose the information. If you prefer that we do not disclose information to these other parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law). Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us. If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of that party's information we have collected and for all information collected in conjunction with the product or service for all other joint parties. If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service. If you wish to opt out of the disclosure of your information, you may do so by checking the appropriate box(es) below and returning this form to us at this address: Star Bank of Texas
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