Mainland Bank recognizes the importance you place on your privacy and the confidentiality of your financial information. We think it is important for you to be informed of the policies we have in place to safeguard your privacy.

We will use certain terms in this notice that are defined as the following:

• We, our, and us. This will always mean Mainland Bank.
• You and Your. This means our Customers with whom we have a continuing relationship through one or more accounts, such as:

1. · Deposit Account
2. · Loan account
3. · Safe Deposit box

and also consumers who may use a service we provide (such as an ATM) without any real account relationship or someone who may have applied for a loan but was declined. 

• Nonpublic personal information. Personally identifiable financial information that is not available from public sources.
• Nonaffiliated third party. Any person(s) or corporate entity that is not an affiliate or is not a joint employee of a financial institution and a third party.
• Affiliate. Any company under common control of another company.

Information That We Collect

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 with us, or others,
• Information about your transactions with nonaffiliated third parties,
• Information we receive from consumer credit reporting agencies.

NonPublic Personal Information and Other Parties

We do not disclose nonpublic personal information about you to anyone, except as permitted by law or as disclosed in this disclosure.

NonPublic Personal Information and Former Customers

We do not disclose nonpublic personal information about former customers, except as permitted by law.

Authorized Sharing – Joint Marketing

We may disclose the information we collect about our customers and former customers, as described below, to other financial institutions with whom we have joint marketing agreements:

• Information we receive from you on applications or other forms such as your name, and address,
• Information about your transactions with us such as types of accounts

You do not have a right to opt out of the disclosure of this information.

Types of Businesses

Here are the types of businesses with whom we may disclose nonpublic personal information under this section:

•  Financial services providers , such as:
1. Insurance Agents
2. Mortgage bankers
3. Securities broker-dealers

If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.

The Confidentiality, Security, and integrity of Your NonPublic Personal Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. Our employees are educated about the importance of maintaining customer confidentiality and customer privacy.

We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Internet Privacy

When you visit our web site to view any pages, read product information, or use our online calculators and tools, you do so without telling us who your are, and without revealing any personal information. While we do not collect identifying information about visitors to our site, we do use standard software to collect information for the strict purpose of tracking activity on our site. This allows us to better understand how many people use our site and which pages and features are most popular. The only information we normally collect and store is:

• Date and time our site was accessed
• IP address (A numeric address given to servers connected to the internet)
• Web browser used or web site that referred you to us (if any)
• City, state, and country

There are instances where you may elect to provide us with personal information. If you fill out one of our feedback or request forms or send us a e-mail, you are transmitting the information that appears to your in the form or the message. This will typically include information like your name, mailing address, e-mail address, the kind of request you are making, and any other information necessary to fulfill your request. You never transfer personally identifying information that you do not enter yourself. This is always your option; this information cannot be collected unless you specifically elect to send it to us. This information is used internally only for the purpose of fulfilling the request or for contacting you directly and is not given or sold to any other organization.

Note: No encryption takes place if you send us e-mail.

Our web site is not targeted or marketed to children.

CUSTOMER COMPLAINT NOTICE

The Mainland Bank is chartered 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 the Mainland Bank should contact the Texas Department of Banking through one of the means indicated below:

• In Person or U.S. Mail: 2601 North Lamar Boulevard
•                                      Suite 300
•                                      Austin, Texas 78705-4294

Telephone No.: (877) 276-5554

Fax No.:            (512) 475-1313

E-mail: consumer.complaints@banking.state.tx.us

Web site: www.banking.state.tx.us