Privacy Policy

Revised February 2023

Facts	WHAT DOES Austin Capital Bank SSB 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 Payment History Account Balances and Transaction History Credit History and Overdraft History When you are no longer a 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 Austin Capital Bank SSB chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Austin Capital Bank 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	No
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 nonaffiliates to market to you	No	We don’t share

Questions?
Call 1-512-693-3600 or go to www.austincapitalbank.com/contact-us/

Who we are
Who is providing this notice?	Austin Capital Bank SSB

What we do
How does Austin Capital Bank 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 secure files and buildings.
How does Austin Capital Bank SSB collect my personal information?	We collect your personal information, for example, when you Open an accountor Use your credit or debit card Pay your bills or Apply for a loan Make deposits or withdrawals from your account 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 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. Greenback, Fincorp, Inc a bank holding company.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Austin Capital Bank 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. Nonaffiliate joint marketing partners include financial services companies.

Other important Information
Special Notice: HOW TO FILE A COMPLAINT. Austin Capital Bank SSB 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 Austin Capital Bank SSB should contact the Department of Savings and Mortgage Lending through one of the means indicated below: In person or by Mail: 2601 North Lamar Boulevard, Suite 201 Austin, Texas 78705-4294 Phone: (877) 276-5550 Fax: (512) 936-2003, or through the Department’s website at http://www.sml.texas.gov Special Notice for Nevada State Residents: We may contact our existing customers by telephone to offer additional financial products that we believe may be of interest to you. You have the right to opt out of these calls by adding your name to our interna do-not-call list. To opt out of these calls, or for more information about your opt out rights, please contact our customer service department. You may reach us by calling 512-693-3600, clicking on the “contact us” link at www.austincapitalbank.com, or writing to Austin Capital Bank, 8100 Shoal Creek Blvd, Austin, TX 78757. You are being provided this notice under Nevada law. In addition to contacting Austin Capital Bank, Nevada residents can contact the Nevada Attorney General for more information about your opt out rights by calling 775-684-1100, emailing bcpinfo@ag.state.nv.us, or by writing to: Officer of the Attorney General, Nevada, Department of Justice, Bureau of Consumer Protection, 100 North Carson St, Carson, NV 89701-4717.

Other important Information

Special Notice: HOW TO FILE A COMPLAINT. Austin Capital Bank SSB 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 Austin Capital Bank SSB should contact the Department of Savings and Mortgage Lending through one of the means indicated below:
In person or by Mail: 2601 North Lamar Boulevard, Suite 201 Austin, Texas 78705-4294 Phone: (877) 276-5550 Fax: (512) 936-2003, or through the Department’s website at http://www.sml.texas.gov

Special Notice for Nevada State Residents: We may contact our existing customers by telephone to offer additional financial products that we believe may be of interest to you. You have the right to opt out of these calls by adding your name to our interna do-not-call list. To opt out of these calls, or for more information about your opt out rights, please contact our customer service department. You may reach us by calling 512-693-3600, clicking on the “contact us” link at www.austincapitalbank.com, or writing to Austin Capital Bank, 8100 Shoal Creek Blvd, Austin, TX 78757. You are being provided this notice under Nevada law. In addition to contacting Austin Capital Bank, Nevada residents can contact the Nevada Attorney General for more information about your opt out rights by calling 775-684-1100, emailing bcpinfo@ag.state.nv.us, or by writing to: Officer of the Attorney General, Nevada, Department of Justice, Bureau of Consumer Protection, 100 North Carson St, Carson, NV 89701-4717.