Privacy Policy

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Rev December 2010

FACTS WHAT DOES BALLINGER NATIONAL BANK DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security number

Account balances

Payment history

Transaction or loss history

Overdraft history

Checking account information

When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Ballinger National Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Ballinger National Bank Share?	Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes— to offer our products and services to you	No	We Don't Share
For joint marketing with other financial companies	No	We Don't Share
For our affiliates’ everyday business purposes— information about your transactions and experiences	No	We Don't Share
For our affiliates’ everyday business purposes— information about your creditworthiness	No	We Don't Share
For nonaffiliates to market to you	No	We Don't Share

Questions?

Call 325.365.3512 or go to Feed back Page

What we do

How does Ballinger National Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Ballinger National Bank collect my personal information?

We collect your personal information, for example, when you

Open an account
Apply for a loan
Give us you income information

Give us your contact information
Show your driver's license.

We also collect your personal information from others, such as credit card bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

Sharing for affiliates’ everyday business purposes—information about your creditworthiness
Affiliates from using your information to market to you
Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non financial companies.

Ballinger National Bank has no Affiliates.

Non Affiliates

Companies not related by common ownership or control. They can be financial and non financial companies.

Ballinger National Bank does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between non affiliated financial companies that together market financial products or services to you.

Ballinger National Bank doesn't jointly market.

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