PEOPLES BANK E-MAIL DISCLAIMER

Please remember that e-mail is not a secure way to send any personal information. All account numbers, personal identification numbers, and other important information should be excluded from e-mails.

What Information We Collect

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

• Information we receive from you on your applications or other loan and account forms.

• Information about your transactions with us or others.

• Information we receive from third parties such as credit bureaus.

"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history.

What Information We Collect

We are permitted under the law to disclose nonpublic personal information about you to "nonaffiliated third parties" (i.e. third parties that are not members of our corporate family) in certain circumstances. For example, we may disclose nonpublic personal information about you to such third parties to assist us is servicing your loan or account with us; to government entities in response to subpoenas; and to credit bureaus. We do not disclose any nonpublic personal information about you to any other third parties, except as permitted by law.

If you decide to close your account(s) or become and inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

Our Security Procedures: WHAT DOES IT LOOK LIKE?

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

The Peoples Bank 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 Peoples Bank should contact the Texas Department Of Banking through one of the means indicated below:

In person or U.S. Mail: 2601 North Boulevard, Suite 300, Austin, Texas 78705-4294

Telephone Number: 877-276-5554

Fax Number: 512-475-1313

E-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.

Website: www.dob.texas.gov

Member FDIC