Privacy Protection Policy

At Patriot Bank we recognize the importance placed on privacy and confidentiality of all financial information. Our Customer Information Privacy Policy serves as a standard for all Patriot Bank employees for collection, use, retention, and security of individual customer information.

Important Notice About Customer Information
Patriot Bank values the trust and confidence you have placed in us as your financial institution. We believe every customer's personal information should be handled with care. To ensure that we live up to your trust, we have defined the procedures we will use to protect customer information. We also want you to understand how we obtain and use information about our customers and what options you have.

Our Security Procedures That Protect Customer Information
We protect our customer's privacy by restricting access to personal and account information to those employees who need to know that information to provide products or services. We use technology to manage and maintain customer information more effectively so that we may offer various financial products and services to our customers. We also maintain physical, electronic, and procedural safeguards that comply with federal standards to guard all customers' nonpublic personal information. Nonpublic personal information is information about you not known publicly that we obtain in connection with providing a financial product or service to you. For example, it includes your account balance, credit history, and overdraft history.

Sources of Information We Collect
So that we can make more informed decisions about extending services to our customers, we may collect nonpublic personal information about customers from several sources:

• Information the customer has provided on applications or other forms;
• Information about customer transactions with us, our affiliates or others; and,
• Information we obtain from consumer credit reporting agencies.

Customer Information We Share With Others
Various types of information are shared within our family of companies and with other companies.

Nonpublic Personal Information
We may disclose or share the nonpublic personal information described above to our affiliates. We may also share this information with other companies that are not our affiliates. This information may be shared with financial service providers (such as mortgage bankers and insurance companies), and to non-financial companies (such as direct marketing companies).

Transaction and Loan Application Information
We may also share with our affiliates information about our experiences or transactions with customers or their accounts (such as account balances and payment history with us). In addition, we may share with our affiliates information about customers including:

• Information we obtain on loan applications.
• Information we obtain from a consumer credit reporting agency, such as credit history;
• Information we obtain to verify something a customer told us in connection with a loan application, such as loan balances, employment, credit, or other relationships, such as employment history.

Your Opt Out Rights
If you prefer that that we not share loan and credit information about you with our affiliates and that we not share nonpublic personal information about you to companies other than our affiliates, you may "opt out" of such information sharing. By "opting out" you direct us not to share such information about you. Each joint account holder may "opt out" separately or any one of you may "opt out" on behalf of all joint account holders. If you wish to "opt out" of disclosures to any of the above companies, call us at 1-888-400-7175.

You may not "opt out" of certain sharing of nonpublic personal information to third parties. This includes information shared as required by law, for example, to government entities in response to subpoenas. It also includes information shared as part of the routine course of business, such as the servicing of a loan or account with us and sharing with consumer credit reporting agencies.

Other Customer Information
We may disclose other information to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements:

• Information we receive from the customer on applications or other forms, such as name, address, social security number, assets and income;
• Information about transactions with us, our affiliates or others, such as account balance, credit history, and parties to transactions; and
• Information we receive from a consumer credit reporting agency, such as creditworthiness and credit history.

We believe that keeping your trust is very important, so if you should have inactive or closed account(s) with us, we will continue to adhere to the policies and practices described in this notice.

Consumer Complaints

Patriot 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 Patriot Bank should contact the Texas Department of Banking.

Patriot Bank also engages in the money transmission and/or currency exchange business as an authorized delegate of American Express under Chapter 151 of the Texas Finance Code. After first contacting American Express, a customer that still has an unresolved complaint regarding the company's money transmission or currency exchange activity should direct the complaint to the Texas Department of Banking.

Consumers/customers may file complaints with the Texas Department of Banking by contacting the Department through one of the means indicated below:

In Person or U.S. Mail
Texas Department of Banking
2601 North Lamar Boulevard
Suite 300
Austin, TX 78705-4294

Telephone Number 1-877/276-5554 (toll free)
Fax Number 512/475-1313

E-mail Address consumer.complaints@banking.state.tx.us
Website Address www.banking.state.tx.us

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