Privacy Notice

What does Ciera Bank do with your personal information?

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.

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

• Social Security numbers
• Account balances
• Payment history
• Transaction history
• Account transactions
• Checking account information

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

All financial institutions 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 Ciera Bank chooses to share; and whether you can 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 to 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 non-affiliates to market to you

No

We don't share

Call 940-549-2040 or go to www.cierabank.com

How does Ciera 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.

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does Ciera Bank collect my personal information?

We collect your personal information, for example, when you

• Open an account
• Pay your bills
• Apply for a loan
• Make deposits or withdrawals from your account
• Give us your contact information

We also collect your personal information from 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.

Affiliates

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

• Ciera Bank has no affiliates.

Non-affiliates

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

• Ciera Bank does not share with our non-affiliates 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.

• Ciera Bank does not jointly market.

For Texas Customers: Ciera Bank is chartered, licensed or registered 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 Ciera Bank should contact the Texas Department of Banking through one of the means indicated below: In person or by U.S. Mail: 2601 North Lamar Boulevard, Suite 300, Austin, TX 78705-4294; Telephone: (877) 276-5554; Fax: (512) 475-1313; E-mail: consumer.complaints@dob.texas.gov; Website: https://www.dob.texas.gov/