Privacy Statement

Bank of Cordell understands the importance of protecting any personal information that you may provide to us through the use of our Web site or through the course of doing business with our bank. Safeguarding the nonpublic information you share with us is of utmost importance to Bank of Cordell. While offering you the latest in banking technology so that your financial needs can be easily and fully met, we will adhere to those principles that will insure the confidentiality of your account and your nonpublic personal information.

Bank of Cordell collects information about each consumer in the following categories:

• Information from the consumer (i.e. information given to us on applications or other forms, such as name, address, social security number, assets, and income)
• Information about the consumer's transactions with the bank or its affiliates (i.e. account balance, payment history, parties to transactions and credit and debit card usage)
• Information about the consumer's transactions with nonaffiliated third parties (i.e. information provided for check orders)
• Information from a consumer-reporting agency (i.e. your creditworthiness and credit history)

Bank of Cordell does not disclose any nonpublic personal information about our customers or former customers to anyone, including affiliates and nonaffiliated third parties, except as permitted by law. We may disclose nonpublic personal information about a customer to the following types of third parties (as permitted by law):

• Financial service providers, such as our data processor, CSI, iPay Technologies, Chex Systems, First Data and Bankers Bank
• Non-financial companies, such as check printers
• Joint Marketing Agreements with Third Parties

We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with which we have a joint marketing agreement:

• Information we receive from you on an application or other forms, such as your name, address, and social security number;
• Information about your transactions with us, our affiliates, or others, such as your account balance; debit card number, and credit card usage;
• Information we receive from a customer-reporting agency, such as your creditworthiness and credit history.

We restrict access to nonpublic personal information about a customer to those employees who need to know that information to provide products or services to our customers and potential customers. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Our employees, as part of their initial and ongoing training, are taught that all precautions should be taken to insure the privacy of each customer's personal information. They are never to discuss or disclose customer information inside or outside of the bank unless so required in order to transact the customer and the bank's appropriate and mutual business.

Customer documentation is kept in a secure location. Information retained in computer files must be accessed through assigned passwords and user numbers, which are kept confidential by each employee.

While we make every effort to keep your account information accurate and up to date, if you note that some aspect of your information with the bank appears erroneous, please contact us immediately so that we can continue to maintain the accuracy and the security of your account information.

Web Site Security:

Email - We may retain the content of any email you send to us, your email address and our response so that we can better address any questions you may have and serve your needs.

Online Banking and Bill Pay:

Whenever we ask for personal information on our Website or through Online Banking or Bill Pay, we use Secure Socket Layer (SSL technology) to keep it confidential.

Bank of Cordell requires both a valid Customer and Pin number to sign on to Online Banking and to the Bill Pay systems. We also require all information to pass through a "Firewall" designed to keep out unauthorized users.