Privacy Notice

Please contact Ciera Bank if you would like a copy of any of our Privacy Notices mailed to you.

What do we do with your informa
Facts	WHAT DOES CIERA 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 and income Account balances and payment history Credit history and credit scores 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 Ciera Bank chooses to share; and whether you can limit this sharing.

Why We share your information
Reasons we can share your personal information	Does Ciera 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	Yes	No
For joint marketing with other financial companies	Yes	No
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 our non-affiliates to market to you	No	We Don't Share

Questions? Call (940) 549-2040

What we do
What We Do	How
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.
How does Ciera Bank collect my personal information?	We collect your personal information, for example, when you open an account or deposit money pay your bills or apply for a loan use your debit card 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.

Definitions
Definitions	Example
Affiliates	Companies related by common ownership or control. They can be financial or non-financial companies. Ciera Bank does not share with affiliates so they can market to you.
Non-affiliates	Companies not related by common ownership or control. They can be financial or non-financial companies. Ciera 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. Ciera Bank may jointly market financial products and services with nonaffiliated financial institutions, including providers of investment advisory and wealth management services.

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/