Privacy Policy

What Does The Bank & Trust SSB Do With Your Personal Information?

Rev. Date 4/21

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 Account balances Payment history Transaction or Loss History Credit History Checking Account Information
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 The Bank & Trust ssb chooses to share; and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does The Bank & Trust ssb 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	Yes
For joint marketing with other financial companies	Yes	Yes
For our affiliates' everyday business purposes– information about your transactions and experiences	Yes	No
For our affiliates' everyday business purposes– information about your creditworthiness	No	We Do Not Share
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	No	We Do Not Share

Questions
Call 866-774-6694

To Limit Our Sharing
Call 866-774-6694	Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

What We Do
How does The Bank & Trust ssb 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 The Bank & Trust ssb collect my personal information?	We collect your personal information, for example when you Open an account Apply for a loan Make deposits or withdrawals from your account Provide employment information Show your government-issued ID We also collect your personal information from others, such as credit bureaus, affiliates, or 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.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Our affiliates include: non-financial companies such as Anco Insurance Managers, Inc., and The Bank & Trust ssb Insurance Services, Inc.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. The Bank & Trust ssb does not share with nonaffiliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Joint marketing partners include Haberfeld.

Other Important Information
For Texas Customers. The Bank and Trust is chartered under the laws of the state of Texas and by state law is subject to regulatory oversight by the Department of Savings and Mortgage Lending. Any consumer wishing to file a complaint against The Bank and Trust should contact the Department of Savings and Mortgage Lending through one of the means indicated below: In person, or by U.S. Mail: 2601 North Lamar Boulevard, Suite 201, Austin, Texas 78705-4294; Telephone No. (877)276-5550; Fax (512)936-2003; or via electronic submission at the Department's website at https://www.sml.texas.gov/consumers/complaints/
Mobile Privacy Disclosure: The mobile application will request access to information stored on the customer's device such as location, camera, contacts, or other features to enrich and simply your experience and improve our services. Before granting access to this information, you will be prompted to give the application that permission; if you do not wish to grant that permission, you may decline. If you later change your mind, those permissions can be updated in your device settings.

Other Important Information

For Texas Customers. The Bank and Trust is chartered under the laws of the state of Texas and by state law is subject to regulatory oversight by the Department of Savings and Mortgage Lending. Any consumer wishing to file a complaint against The Bank and Trust should contact the Department of Savings and Mortgage Lending through one of the means indicated below: In person, or by U.S. Mail: 2601 North Lamar Boulevard, Suite 201, Austin, Texas 78705-4294; Telephone No. (877)276-5550; Fax (512)936-2003; or via electronic submission at the Department's website at https://www.sml.texas.gov/consumers/complaints/

Mobile Privacy Disclosure: The mobile application will request access to information stored on the customer's device such as location, camera, contacts, or other features to enrich and simply your experience and improve our services. Before granting access to this information, you will be prompted to give the application that permission; if you do not wish to grant that permission, you may decline. If you later change your mind, those permissions can be updated in your device settings.