Privacy Statement

Your trust is the cornerstone of our relationship. That is why we work diligently to safeguard your privacy. The information that you provide us is kept in the strictest of confidence. We have no intentions of selling personal information about our customers to third-party businesses. We are proud to make that commitment to you, because your trust is the foundation of our business.

The following privacy statement explains how we use and protect the information about our customers. We ask that you read it carefully.

Notice of Your Financial Privacy Rights

We, our, or us, when used in this notice, mean Jefferson Bank.

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:
All of our consumer customers who have a continuing relationship with us, such as:

Deposit Account
Loan Account
Safe Deposit Box
Self-directed Individual Retirement Account where we act as the custodian or trustee
Home Mortgage Brokerage
Trust Department Accounts

We will tell you the sources for nonpublic information we collect on our customers. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us.

Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.

The 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
Information about your transactions with nonaffiliated third parties
Information from a consumer reporting agency Information from demographic data

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

Nonpublic Personal Information and Nonaffiliated Third Parties

We will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.

Nonpublic Personal Information and Former Customers

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

Authorized Sharing Outside Marketing Services

We may disclose the following information to companies that perform marketing services on our behalf: Nonpublic personal information we receive from you on an application or other forms such as Name and Address, Federal law allows us to disclose the information listed above with companies that perform marketing services on our behalf. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Types of Businesses

Here are the types of businesses with whom we may disclose nonpublic personal information for outside marketing purposes:

Service providers that perform marketing services for Jefferson Bank products
Direct mail companies

Reasons For Disclosing

Here is why we may disclose nonpublic personal information about you to companies that perform marketing services on our behalf:

To provide our customers with information about additional products and services of Jefferson Bank

Questions Regarding Privacy

If you have additional questions about privacy, please contact us by phone at 210-736-7600 or in writing at the following address: Compliance Department, Jefferson Bank, P. O. Box 5190, San Antonio, Texas 78201.

Jefferson Bank also engages in the business of selling travelers checks as an agent for Travelers Express and American Express, whose companies are licensed under the laws of the State of Texas and are subject to regulatory oversight by the Texas Department of Banking.

Complaint Notice

The Jefferson 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 Jefferson Bank should contact the Texas Department of Banking through one of the means indicated below:

In person or U.S. Mail:
2601 North Lamar Blvd., Suite 300
Austin, Texas 78705-4294
Telephone No.: (877) 276-5554
Fax No.: (512) 475-1313

Email: consumer.complaints@banking.state.tx.us
Website: www.banking.state.tx.us

Internet Security Information

Jefferson Bank's Internet Banking system is part of the Jack Henry Financial Network that utilizes a comprehensive security strategy to protect your accounts and transactions conducted over the Internet. In addition to our log-on security, we use the SSL (secure socket layer) encryption technology for everything you do in the Internet Banking system. This technology is automatically activated by your browser when it attempts to connect to our system and it will support 128 bit key lengths. Whenever SSL is securing your communications, the browser will typically indicate the "secure session" by changing the appearance of a small icon of a padlock at the bottom of the screen from open to locked. What this means to you is that your communications are scrambled from your browser to our servers at all times so no unauthorized party can read the information as it is carried over the Internet. In addition, our servers have been certified by a "Certificate Authority" that will assure you that you are actually talking to our servers instead of someone pretending to be us.

During your use of the Internet Banking system, we will pass a "cookie" to your browser for identifying you during the session. We do not (and can not) use our cookies to obtain new information about you. A "cookie" is security data that is given to a browser by a web server that is returned by the browser on subsequent transmissions to identify the user and encryption information. When you log onto the system, this cookie enables us to process multiple transactions during the session without you having to provide your Access ID and passcode for each individual transaction. When you log off, or after ten minutes, the cookie is no longer accepted and must be renewed by requiring the passcode to be reentered. A new cookie is used for each session. That way, no one can use the cookie to access your account.

In addition to the security measures described above, there may be other security notices posted on the web site regarding security issues. It is your responsibility to read all applicable notices. One of the main security features guarding the use of the Internet Banking system is the unique combination of your Access ID and passcode. It is important that you keep your passcode secret. We will not be liable for any losses resulting from your permitting other persons to use your Access ID and passcode to access the system.

If you have more questions about our security systems for conducting transactions safely over the Internet, contact our Internet Banking department.