Federal financial regulators are reporting that Internet threats have changed significantly over the past several years. Sophisticated hacking techniques and growing organized cyber-criminal groups are increasingly targeting financial institutions, compromising security controls, and engaging in online account takeovers and fraudulent electronic funds transfers.

In order to help ensure the security of your online transactions, we want you to know that:

• We will never email, call or otherwise ask you for your user name, password or other electronic banking credentials
• You can help protect yourself by implementing alternative risk control processes like:
  • Making sure you choose an adequate user name and password that, at a minimum, mixes in small case letters, upper case letters and numbers
  • Periodically changing your password (e.g., at least every 90 days)
  • Having current anti-malware and anti-virus software
  • Safeguarding your user name and password information
  • Making sure you have a firewall in place when conducting your financial transactions
  • Logging off the system when you’re done conducting business (don’t just close the page or “X” out of the system)
  • Monitoring your account activity on a regular basis

In addition, we may require owners of commercial accounts to perform their own risk assessments and controls evaluations. For example:

• Make a list of the risks related to online transactions that your business faces including
  • Passwords being written down and left out in the open
  • The use of old or inadequate passwords
  • The possibility of internal fraud or theft
  • Delays in terminating the rights of former employees
  • The lack of dual control or other checks and balances over individual access to online transaction capabilities
• An evaluation of controls your business uses may include
  • Using password protected software to house passwords in
  • Conducting employee background checks
  • Initiating a policy and process to terminate access for former employees
  • Segregating duties among two or more people so no one person has too much access or control
  • Conducting internal or third party audits of controls
  • Using fire walls to protect from outside intrusion or hackers

Federal regulations provide consumers with some protections for electronic fund transfers. These regulations generally apply to accounts with Internet access. For example, these federal laws establish limits on a consumer’s liability for unauthorized electronic fund transfers. They also provide specific steps you need to take to help resolve an error with your account. Note, however, that in order to take advantage of these protections, you must act in a timely manner. Make sure you notify us immediately if you believe your access information has been stolen or compromised. Also, review your account activity and periodic statement and promptly report any errors or unauthorized transactions. See the Electronic Fund Transfer disclosures that were provided at account opening for more information on these types of protections. These disclosures are also available online (or ask us and we will gladly provide you with a copy).

If you become aware of suspicious account activity, you should immediately contact the authorities and contact us at the number listed below.

Sanger Office

(940) 458-4600

501 N. Stemmons
PO Box 1029
Sanger, TX 76266

Bowie Office

(940) 872-9600

1308 HWY 59 Noth
PO Box 979
Bowie, TX 76230

If you are just browsing through our website, we do not request any personally identifiable information, nor do we collect unique identifying information about you unless you voluntarily and knowingly provide us that information, such as when you send us an email or complete an application online. If you provide us this information, it is only used internally and in furtherance of the purpose for which it was provided.

As part of providing online financial products or services, we may obtain information about our customers and website visitors from the following sources:

• Information we receive from you on applications, emails or other forms;
• Information you provide when you choose to customize our website;
• Information about your transactions with this institution;
• Information we receive from a consumer-reporting agency: and
• Information that is generated electronically when your use our Internet banking services.

Service providers hosting our website and our Internet banking service may collect general information on our website visitiors simply to help us provide banking and other financial services to you online. They collect the following information on our behalf for security and statistical purposes:

• The Internet address (referral site) which brought you to our website:
• The date and time you access our site:
• The name and version of your web browser;
• The Internet service provider you used when you accessed our site;
• Your Internet Protocol (IP) address; and
• The pages visited in our website.

Our service providers may use cookies to collect some the above information. They may also use cookies for security purposes within our Internet banking product. Additionally, cookies may be used for customization and personalization of our website.

Additional information about IP addressess and cookies are provided below.

An IP address is a number that is automatically assigned to your computer whenever you are on the Internet. Web servers, the computers that “serve up” web pages, automatically identify your computer by its IP address. When collecting information for us, our service provider does not link IP addresses to anything personally identifiable; however, this institutin and its service providers may use IP address to audit the use of our site. We can and will use IP addresses to identify users when necessary for security pruporses.

A cookie is a very small text file sent by a web server and stored on your hard drive, your computer’s memory, or in your browser so that it can be read back later. Cookies are a basic way for a server to identify the computer you happen to be using at the time. Cookies are used for many things from personalizing start up pages to facilitating online purchases. Cookies help sites recognize return visitors and they perform a very important function in secure Internet banking.

Our service provider uses cookies for security purposes within our Internet banking product and to facilitate the customization and personalization of our website. For your security, our service provider does not store any personally identifiable information in cookies which are further described below.

Our Internet banking product uses encrypted cookies that do not pass to your computer’s hard drive, Instead, the cookie is stored in your computer’s memory, identifying only your computer while you are logged on. Only our service provider can read the information in these cookies. The Internet banking cookie facilitates the processing of multiple transactions during a session without requiring you to reenter your passcode for each indiviual transaction. The cookies for Internet banking simply provide another level of security for our Internet banking product. When you log off, or close your browser, the cookie is destroyed. A new cookie is used for each session. That way, no one can use the prior cookie to access your account. For additional security, the cookie expires after 10 minutes of inactivity. It must then be renewed by reentering your passcode. We do no (and cannot) use this cookie to collect or obtain new personal infromation about you. You must allow your browser to accept this cookie so you can use the Internet banking product.

When you register on our website and select the “Remember Me” checkbox, our service provider sends a cookie to your hard drive, which enables you to customize the website and bypass the login process each time you revist. These cookies are retained on your computer until you either delete them or click on the logout link within the website. These cookies only contain an unique user identification number and do not contain or collect any personally identifiable information.

When registered users login to the website, our service provider may also send cookies called “per-session” cookies or “server-side” cookies. These cookies reside in the browser and are only used to monitor the session by a unique identification number. These cookies are used for security purposes and you must allow your browser to accept these cookies in order to use the website. These cookies are destroyed after eight hours.

When you click on advertisements in our website or advertisements on linked 3rd party websites, you may receive another cookie. You do not have to accept these cookies to visit the website.

• We do not disclose any non-public personal information about our customers, former customers, website visitors to anyone, except as permitted or required by law.
• In order to provide online services such as: Internet banking and bill payment, we must disclose certain customer account information to our service providers.
• We do not sell any of your personal information.
• We may disclose aggregate (not personally identifiable) customer information that we collect on our website to service providers that may perform marketing and reserarch services on our behalf and with whom we have joint marketing agreements. Our contracts require these service providers to protect the confidentiality of your personal information to the same extent that we must do.

We may send you email notices for certain required disclosures if you agree to accept electronic disclosures and/or online account statements. If you have agreed to accept disclosures electronically, we may send you an email with updates to this policy and/or we may send you an email at least annually to remind you where the Privacy Policy can be viewed from our website. For more information on how to enroll for electronic disclosures, please contact us at (940) 458-4600.

We may also send you emails marketing our products and services. We will always provide you an opportunity to opt-in or opt-out of email advertising promotions as required by law.

If you send us an email, please do not include any non-public personal or sensitive information, as email messages may not be secure and/or confidential. We offer secure messaging through our Internet banking service. You should use the secure messaging service anytime you send us sensitive personal information.

Our website may include numerous links to other 3rd party sites. These links to external third parties are offered as a courtesy and a convenience to our customers. When you visit these sites, you will leave our website and will be redirected to another site.

This financial institution does not control linked 3rd party sites. We are not an agent for these third parties nor do we endorse or guarantee their products. We make no representation or warranty regarding the accuracy of the information contained in kthe linked sites. We suggest that you always verify the information obtained from linked websites before acting upon this information. Also, please be aware that the security and privacy policies on these sites may be different from our policies, so please read third party privacy and security polices closely.

While using our website, you may still see our logo when visiting other 3rd party sites. A technique called “Framing” allows us to display our logo and look and feel while allowing you to browse another site at this same time. It’s important to not that while you may still see our logo and frame, any informtion you provide to a 3rd party is not covered by our privacy or security policies.

If you have questions or concerns about the privacy policies and practices of linked third parties, please review their websites and contact them directly. This privacy policy applies solely to information collected by this institution.

This Institution and its service providers have developed strict policies and procedures to safeguard your personal information. We restrict employee access to your sensitive personal information on a “need to know” basis. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We educate our employees about the importance of confidetiality and customer privacy. We take appropriate disciplinary measures to enforce employee privacy responsibilities.

Our Internet banking service provider, has developed a top-of -the line security system to ensure your customer information is protected on the Internet and within the data center environment.

This financial institution respects the privacy of children. We do not knowingly collect names, email addresses, or any other personally identifiable information from children. We do not knowingly market to children, nor do we allow children under 18 to open online accounts.

Our website may include linked 3rd party sites that would be of interest to children. We are not responsible for the privacy and security practices of these sites. Parents should review the privacy policies of these sites closely before allowing children to provide any personally identifiable information.

New product releases may require changes to our Privacy Policy. The effective date of our policy will always be clearly displayed. If we make any changes regarding the use or disclosure of your personal information, we will provide you prior notice and the opportunity to opt-out of such disclosure if required by law.

If you have any questions about our privacy policy or concerns about our privacy practices, please contact us at (940) 458-4600 or contact.us@sangerbank.com.

Effective Date: 03/01/2006

The USA Patriot Act has paved the way for financial institutions to help prevent fraud, identity theft, and the spread of terrorism. It requires financial institutions to obtain more information from an individual or legal entity to help establish identity.

Your cooperation is needed when you open a new account or request a loan. You may be asked more questions to establish and confirm your identity. It may also be required for you to provide one or more forms of identification.

Sanger Bank strives to provide you with the highest quality on-line banking system available. However, occasional inaccessibility to our Website should be expected, due to the unpredictable nature of the Internet. By accessing this Website, you agree to be bound by our terms and conditions as further described below. Whether or not you actually read these terms and conditions, your use of our Website will be deemed as an acceptance of such terms and conditions. Please read these terms, conditions and disclaimers carefully. Do not use this Website if you do not agree to be bound by all the terms and conditions. We may modify our terms and conditions for the use of this Website without notice and at any time.

Although Sanger Bank continually strives to provide accurate and timely information, the content of this Website may not be accurate, complete or current and may include technical inaccuracies or typographical errors. Changes may be made to the content of this Website, from time to time, and without notice. At anytime, Sanger Bank may change the products, services, and any other information described on this Website. The information published on this Website is for informational purposes only and is provided as a convenience to visitors. Please verify all information before relying on it. Any decisions that you make based on information provided on our Website are your sole responsibility. If you need specific details about any information contained on our Website, please contact Sanger Bank by e-mail or call us at (940)458-4600.

Sanger Bank controls and maintains this Website from the United States of America and makes no representation or warranty that materials are appropriate or available for use in other locations. The information provided on this Website is not intended for use by, or distribution to, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject Sanger Bank or any affiliate to any registration requirement within such jurisdiction or country. If you use this Website from other locations, you are solely responsible for compliance with all applicable local laws.

Except as otherwise indicated, all of the information on this Website, including all images, is copyright material of Sanger Bank. You may not copy, download, republish, distribute, transmit, participate in the transmission of, create derivatives of, alter, edit exploit, or reproduce any other information contained on this Website in any form without the prior written consent of Sanger Bank unless otherwise indicated. Deliberate misuse of any element of this Website, including, but not limited to, hacking, introduction of viruses or similar code, disruption, or excessive use, or any use in contravention of applicable law, is expressly forbidden and Sanger Bank reserves the right to terminate your access to the website and, at its sole discretion, to pass any information regarding your misuse of the Website to legal authorities.

Links to this Website are not allowed or authorized without the prior consent of Sanger Bank.

“Sanger Bank” is a trademark of Sanger Bank and/or its affiliates or subsidiary companies.

The products and services referred to on this Website are offered by or through Sanger Bank or subsidiary or affiliates entities. The products and services and the applicable terms and conditions may change at any time. There may be eligibility requirements for these products and services. Furthermore, the products and services may not be available in all geographic areas.

Investment products and services are offered through third-parties, who are registered brokers/dealers and members NASD and SIPC, and licensed insurance agencies. Nondeposit products are not FDIC insured nor are they insured by any federal government agency. They are not deposits or obligations of, not guaranteed by, Sanger Bank and involve investment risks, including the possible loss of the principal amount invested.

From time to time, this Website may contain links to other sites on the Internet. However, these links are provided for your convenience and you agree to use these third-party links at you own risk. The content of these third-party links has not been developed, checked for accuracy or otherwise reviewed by Sanger Bank. Therefore, Sanger Bank makes no guarantees or representations as to the accuracy, subject matter, quality or timeliness of any electronic content. Under no circumstances shall Sanger Bank incur any liability for any damages or loss resulting from your use of these third-party links referenced on our Website. Links to another Website do not constitute Sanger Bank’s approval or endorsement of that site, its products or advertisements. See Weblinking Practices for more information.

THE INFORMATION AND CONTENT OF THIS WEBSITE ARE PROVIDED “AS IS” AND “AS AVAILABLE.” NEITHER SANGER BANK, NOR ANY OF ITS AFFILIATES, WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE MATERIALS PROVIDED IN THIS WEBSITE, EITHER EXPRESSLY OR IMPLIEDLY, FOR ANY PARTICULAR PURPOSE AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF MERCHANT ABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. UNDER NO CIRCUMSTANCES WILL, SANGER BANK OR ANY OF ITS AFFILIATES, SUBSIDIARIES, AGENTS, EMPLOYEES, OR SUBCONTRACTORS BE LIABLE TO YOU FOR ANY LOSS OR DAMAGE ARISING OUT OF THE USE OF, OR INABILITY TO USE THIS WEBSITE, WHETHER DIRECT, INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY, CONSEQUENTIAL, FORESEEN OR UNFORESEEN, INCLUDING LOSS PROFIT OR OTHER ECONOMIC LOSS OR ANY OTHER DAMAGES OF ANY KIND, EVEN IF SANGER BANK, OR ITS AFFILIATES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGES.

The internet lacks inherent security, therefore, Sanger Bank does not guarantee that downloads from this Website will not contain a virus or other destructive devise. Sanger Bank shall not be liable for any damages or losses that may be caused to any equipment and other software due to any viruses, defects or malfunctions in connection with access or use of this Website.

By using our Website to transmit information, you accept the risk that the information you transmit to us and any information that we transmit to you, may be intercepted by third parties.

E-mail messages that you send to us may not be secure. Therefore, we recommend that you do not send any confidential information to us via e-mail. If you decide to send any information, confidential or otherwise, to us through e-mail, you accept the risk that such information may be intercepted by third parties.

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

• In person or US mail:
  2601 North Lamar Blvd, Suite 300
  Austin, Texas 78705-4294
• Telephone: (877) 276-5554
• Fax: (512) 475-1313
• E-mail: consumer.complaints@dob.texas.gov
• Website: www.dob.texas.gov