INFORMATION WE COLLECT. In order to service, protect and maintain your accounts, we collect various types of nonpublic personal information from you. We also collect certain information about you to comply with federal laws. We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms;
  
• Information about your transactions and experiences with us, our affiliates, or others;
  
• Information we receive from a consumer reporting agency.

NFORMATION WE DISCLOSE. We do not disclose nonpublic personal information about you to anyone, except as permitted by law. We may disclose the following nonpublic personal information about you, as permitted by law:

• Information we receive from you on applications or other forms such as your name, address, social security number, or employment;
  
• Information about your transactions and experiences with us or with our affiliates, such as your account balance or payment history;
  
• Information we receive from a consumer reporting agency, such as credit worthiness or credit history.

PARTIES TO WHOM WE DISCLOSE INFORMATION. We do not disclose nonpublic personal information about you to anyone, except as permitted by law. Third parties receiving customer information from us, as permitted by law, are required to protect your information. We may disclose information we collect as described above, with the following types of third parties, as permitted by law:

• Companies that perform marketing services on our behalf;
  
• Other financial institutions with whom we have joint marketing agreements;
• Financial service providers, such as mortgage companies, and insurance companies;
• Non-financial companies, such as retailers;
• Other third parties as permitted by law, such as attorneys, title companies, appraisers, and surveyors.

INFORMATION REGARDING FORMER CUSTOMERS. Even when you are no longer our customer, we may disclose your nonpublic personal information with third parties as permitted by law and described above.

CHILDREN'S INFORMATION. We respect the privacy of your children, and we comply with the Children's Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen.

CONFIDENTIALITY AND SECURITY. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide you with our quality products and services. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

It is important that you protect personally identifiable information, such as your social security number, PIN or passwords, against unauthorized access to your accounts.

INFORMATION WE SHARE WITH OUR AFFILIATES. An affiliate is a company that is related by common ownership. Examples of our affiliates include other financial institutions and insurance companies. We are permitted by law to disclose transaction and experience information with our affiliates, such as account balances, payment history, and deposit account activity.

ADDITIONAL INFORMATION REGARDING THE INTERNET. Any information transmitted to us through our Online Banking Services is protected by a data security system known as Secure Socket Layer, or SSL, with Strong Encryption. SSL is designed to ensure that transmitted information is encrypted and protected at all times. Any links to outside sources on our website or provided by our Online Banking Services are beyond the control of Austin Bank's security and we are not responsible for the content, operation or security of such sites.

We collect certain information from you as you communicate with us through our website at http://www.austinbank.com. We collect the following kind information from you:

• Cookies: Cookies are messages sent to an Internet browser that help us recognize and better serve you when you visit our website. Cookies do not collect personally identifiable information. You may prevent cookies from being allowed by making the appropriate selection from your browser options. We reserve the right to use cookies in order to present products and other services that may be of interest to you. If you choose not to accept cookies, you may limit the functionality we provide when you visit our website.
  
• Email: We do not collect email addresses of our website visitors. When you send us an email, we will use your email address to reply to you. For a limited time we will store your email address for quality assurance and to meet legal and regulatory requirements. We do not use your email address to market Austin Bank products and services unless you give us permission. You may reply to any email message we send to you to tell us that you no longer wish to receive future messages from us.

1 Title V of the Gramm-Leach-Bliley Act of 1999 contains privacy provisions that protect consumers. A consumer is an individual who obtains financial products or services to be used primarily for personal, family, or household purposes.

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REPORT IDENTITY THEFT
The Federal Trade Commission established a toll-free telephone hotline for consumers to report identity theft and seek counseling.

1-877-ID-THEFT (1-877-438-4338)


REDUCE MARKETING FROM OTHER COMPANIES
If you prefer not to receive pre-approved offers of credit, you can opt out of such offers by calling:
1-888-5-OPT-OUT (1-888-567-8688)

If you want to remove your name from many national direct mail lists, send your name and address to:

DMA Mail Preference Service
P.O. Box 9008
Farmingdale, NY 11735-9008

If you want to reduce the number of telephone solicitations from many national marketers, send your name, address and telephone number to:

DMA Telephone Preference Service
P.O. Box 9014
Farmingdale, NY 11735-9014