Access to Information

Within West Texas National Bank:
West Texas National Bank employees are permitted access to the information they need to perform their jobs on your behalf. We maintain strict internal policies against unauthorized disclosure or use of customer information by employees. As permitted by law, limited information held by West Texas National Bank is available to West Texas National Investment Professionals for authorized purposes, unless a customer has specifically requested otherwise.

West Texas National Bank credit cards:
West Texas National Bank and Texas Independent Bank ( TIB ), which is not a West Texas National Bank affiliate, have a joint marketing agreement to offer, endorse, and sponsor the West Texas National Bank credit card issued by TIB. In order to offer credit cards to our customers, it is important that we exchange certain customer information with TIB. This may include:

- Information we receive from you on applications or other forms, such as your name, address, Social Security number, assets or income.
- Information about your transactions with West Texas National Bank, such as your account balance or payment history.
- Information from credit bureaus regarding your previous credit performance.

TIB has agreed to strictly safeguard the confidentiality of this customer information, and they are not permitted to share it with anyone else without our permission.

Companies that you ask us to share with:
From time to time, we will make available the services of other financial firms, such as homeowner's insurance coverage for West Texas National Bank mortgage applicants. In these cases, West Texas National Bank will get your permission prior to sharing your information with the outside firm. West Texas National Bank may get your written, online, or verbal permission to share your information. If you grant permission, it will apply only to the specific program or programs you consent to. If you have previously requested that we block the sharing of your information, that request will remain in place for all other situations.

Outside service providers:
We have arrangements with companies whose experience is essential for our own services to operate properly. For example, we work with firms that execute securities transactions, enable online banking, and make account statements possible for West Texas National Bank customers. West Texas National Bank also works with companies that assist us in marketing our own products and services. For example, these firms may perform direct mail fulfillment or conduct surveys on our web site. These companies perform their functions at West Texas National Bank's direction, and we only share customer information that is necessary for them to perform these functions. As with all our business partners, these companies are required to safeguard your information and only use it for authorized purposes, and within the guidelines established by West Texas National Bank for the protection of customer information.

Consumer reporting agencies:
It is standard banking industry practice, and within federal and state law, for West Texas National Bank to routinely provide data about customer loan repayment and transactions to these agencies and other creditors. We may report information about your account(s) to credit bureaus. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report.

Courts and government bodies:
Certain federal and state laws may require us to share information about you. For example, if you are involved in a legal matter with a third party, we may be ordered to provide information to a court or other party. In these circumstances, only the specific information required by law, subpoena, or court order will be shared.

Last updated: 11-23-2010