PRIVACY DISCLOSURE

What does LONE STAR 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.
• Payment History
• Transaction History
• Credit History
• Overdraft History
• Account Transactions

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 Lone Star Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Lone Star 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 services to you	No	We don't share
For joint marketing with other financial companies	Yes	No
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 don't share
For our affiliates to market to you	No	We don't share
For nonaffiliates to market to you	No	We don't share

Questions?

Call 361-596-4611 or go to www.lonestarbank.com.

What We Do
How does Lone Star 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.
How does Lone Star Bank collect my personal information?	We collect your personal information, for example, when you • Open an account • Pay your bills • Apply for a loan • Use your credit or debit card • Make deposits or withdrawals from your account 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 nonaffiliates 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.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies, including • Our affiliates include: • Financial companies such as: holding company and banks within holding company
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Lone Star Bank 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. • Our joint marketing partners include securities broker-dealers.

Other Important Information

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing -- without your authorization.

For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing -- without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing -- without your authorization.

For Vermont Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.

Rev 03/2011

Texas Notice

This institution 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 Savings & Mortgage Lending. Any consumer wishing to file a complaint against this institution should contact the Texas Department of Savings & Mortgage Lending through one of the means indicated below:

In Person or U.S. Mail: 2601 North Lamar Boulevard, Suite 201, Austin, Texas 78705-4294;
Telephone No.: 877-276-5550;
Fax No.: 512-475-1360;
E-mail: smlinfo@sml.state.tx.us
Website: www.sml.state.tx.us