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Brenham National Bank
“TOTAL ACCESS”
INTERNET BANKING AGREEMENT
This Internet Banking Agreement (“Agreement”) for accessing your accounts through Brenham National Bank’s “Total Access” Internet Banking Service (“Internet Banking”) explains the terms and conditions governing the banking services offered through Internet Banking. By signing this Agreement, or by using Internet Banking, you agree to abide by the terms and conditions of this Agreement.
The terms “we,” “us,” “our,” and “Bank” refer to Brenham National Bank, a national banking association located in Brenham, Texas. “You” and “your” refer to each signer on an account. The term “business days” means Monday through Friday, excluding Saturday, Sunday, and designated bank holidays.
The Bank’s instructions on the use of Internet Banking (“Instructions”) and schedule of applicable fees (“Fee Schedule”), copies of which are attached as Schedule 1 and Schedule 2, respectively, as they exist and as they may be amended from time to time, form part of this Agreement. Your use of Internet Banking is also subject to the Bank’s Internet privacy policy (“Privacy Policy”), a copy of which is attached as Schedule 3, as it exists and may be amended from time to time. In addition, your use of Internet Banking may be subject to the Rules and Regulations Governing Accounts at Brenham National Bank (“Rules and Regulations”) to the extent they are consistent with this Agreement. The Bank may change the terms and conditions of this Agreement, the Instructions, the Internet Banking Fee Schedule, the Privacy Policy or the Rules and Regulations from time to time to conform with changes or advancements in our services, or as required by law or regulation. All such changes will be made according to the procedures outlined in Section 21. Use of Internet Banking after the effective date of such changes will constitute your consent to the changes.
Other Accounts and Services.
Internet Banking can be used to access certain Bank accounts. These terms and conditions are in addition to those contained in any signature card, disclosure statement, agreement, fee schedule, or change of terms notices that apply to each of your accounts with us, or any other services you obtain from us (all such other terms and conditions collectively referred to as your “Account Agreements”). If you have more than one account or other relationship with us, you may “link” the relationships together as we permit. Accounts which are linked under Internet Banking must have one common owner and signer. Any signer, acting alone, must be authorized to access a linked account (see Section 12).
Electronic Fund Transfer Act and Regulation E.
Some of the transactions permitted through Internet Banking are governed by the Electronic Fund Transfer Act (EFTA) and its implementing regulation, Regulation E (“REG E”). Some of the terms and conditions of this Agreement are disclosures required by REG E.
Computer Requirements.
In order to use Internet Banking, you will need the type of computer, related equipment, and software described in the Instructions. (In this Agreement, your computer and the related equipment are referred to together as your “Computer”).
You are responsible for the installation, maintenance, and operation of your Computer and your software. The risk of error, failure, or nonperformance is your risk and includes the risk that you do not operate your Computer or your software correctly. The Bank is not responsible for any errors or failures from any malfunction of your Computer or your software. The Bank shall have no liability to you for any damage or other loss, direct or consequential, which you may suffer or incur by reason of your use of your Computer or your software to use Internet Banking.
You acknowledge that access to Internet Banking may be temporarily unavailable or limited from time to time due to capacity limitations, and may be temporarily interrupted or curtailed from time to time due to equipment modifications, upgrades, relocations, repairs, and other activities necessary to maintain the proper operation of Internet Banking, and you assume all risk associated with such unavailability or limitation.
You are fully aware of all risks and shortcomings associated with using the Internet as a communications vehicle with the Bank, and the Bank does not warrant or guarantee any level of performance and/or connectivity, or the ability to use Internet Banking in conjunction with the Internet.
Access Codes.
Prior to your first use of Internet Banking, the Bank will assign you a User Identification Code and Password (the User Identification Code and Password collectively are referred to as the “Access Codes”), required to gain access to Internet Banking. The Internet banking system will ask you to change your password the first time that you use the system. Use of the Access Codes is the agreed security procedure between you and the Bank, and we are entitled to act on instructions received under your Access Codes. You are responsible for safeguarding the Access Codes, which are the “access devices” to your accounts and Internet Banking. Providing these access devices to another person effectively constitutes a grant of authority to access your accounts under REG E.
Security.
You agree to comply with the Instructions, particularly the section entitled Security Precautions. You may be held liable for the unauthorized use of your Access Codes (see Section 11).
Third Party Software; Virus Protection.
The Bank makes no representations or warranties regarding the accuracy, functionality, or performance of any third party software that may be used in connection with Internet Banking.
Although the Bank will use its reasonable best efforts to detect and remove any electronic viruses that should become attached to the Internet Banking system, the Bank is not responsible for any electronic virus or viruses that you may encounter.
Internet Banking Account Services.
To subscribe to Internet Banking, you must have at least one account with the Bank. You must designate a “Primary Account,” from which applicable fees are to be deducted. An account that requires two or more signatures to make withdrawals may not be designated as a Primary Account.
All subscribers to Internet Banking have access to “Home Banking” as defined below. You may also subscribe to available Additional Products and Services as defined below, for which additional service fees may be charged as outlined on the Fee Schedule.
“Home Banking” permits you to do the following (as applicable depending on the accounts you have with us):
- transfer funds between deposit accounts;
- obtain account balances and transaction information (reflecting activity through the close of the previous business day) for checking, savings, and money market accounts; certificates of deposit; and loans;
- review the transaction history for your accounts; and
- send electronic mail (e-mail) to the Bank and receive e-mail from the Bank.
- enter Stop Payments on transactions
See Section 10 of Total Access Agreement for the terms and conditions for using “Home Banking”.
Additional Products and Services consist of Bill Payment, Cash Management, and such additional services as the Bank may offer from time to time. Additional services may be included in an update to this Agreement or in other separate agreements to notify you of the existence of any new services available through Internet Banking. By using these services when they become available, you agree to be bound by the rules contained in this or separate agreements covering these services.
In most cases you may use Internet Banking to gain access to deposit accounts in which you have an unrestricted right to withdraw funds. However, the Bank, as it may determine at any time and from time to time in its sole discretion, may deny Internet Banking account access, restrict Internet Banking account transactions, or place limits on the specific dollar amount of funds that may be withdrawn or transferred from any account.
Charges for Internet Banking.
Depending on which Internet Banking services you subscribe to, you will be charged the applicable Internet Banking fees as set forth on the Fee Schedule attached as Schedule 2. Once you have subscribed, you will be charged the applicable Monthly Fee(s) whether or not you use Internet Banking.
The Bank may change or add any fees for Internet Banking by the procedures outlined in Section 21 for amending this Agreement. Fees charged for Internet Banking under this Agreement are in addition to any service charges or fees that apply to your accounts with us.
You authorize the Bank to deduct all applicable Monthly Fees from the Primary Account you have specified. If you close the Primary Account, you must notify us and identify a new Primary Account for the selected services.
Instructions on the Use of Internet Banking.
Your use of Internet Banking means that you have read, and you agree to follow, the Bank’s Instructions attached as Schedule 1, as they exist and as they may be amended from time to time.
Terms and Conditions for Using Internet Banking Functions.
The following terms and conditions govern your use of the applicable Internet Banking services.
Home Banking Functions.
Your ability to transfer funds between certain accounts is limited by federal law, as stated in the applicable Account Agreements. Transfers made using Internet Banking and any other transfer methods described in the Account Agreements are counted against the permissible number of transfers.
Instructions to transfer funds between deposit accounts must be sent by 5:00 p.m. Central Time to be processed the SAME business day. Transfers received after 5:00 p.m. will be processed ONE business day later.
The Bank will not immediately receive e-mail that you send. Therefore, you should not rely on e-mail if you need to communicate to the Bank immediately. For example, if you need to stop payment on a check, to report a lost or stolen card, or to report an unauthorized transaction from one of your accounts, you should contact the Bank immediately by calling Customer Care(see Section 10.d). The Bank will not take actions based on your e-mail requests until the Bank actually receives your message and has a reasonable opportunity to act.
Transaction information for your accounts will be available from Internet Banking for a period of no more than 100 days prior to the date of the inquiry.
The Bank reserves the right to limit the frequency and dollar amount of transactions from your accounts for security or credit reasons, as the Bank may determine at any time and from time to time in its sole discretion.
Stop Payment Orders:
Stop payments may be entered for a particular check or a range of checks, or for checks of a certain amount or range of amounts. A view function displays pending stop payments. Stop payments entered through the internet banking system have the same immediate effect as if they had been submitted in writing to the Bank. For verification purposes, you agree to (1) print the confirmation page displayed after a stop payment is entered, (2) sign the confirmation page, and (3) mail the signed confirmation page to the Bank.
Once a stop payment request has been entered through the internet banking system, it can only be canceled or withdrawn by a written request to the Bank, and such cancellation or withdrawal will become effective only if the check for which the stop payment was requested has not yet been presented to the Bank for settlement.
Overdrafts: Order of Payments, Transfers, and Other Withdrawals.
If funds are withdrawn from any of your accounts by means of electronic funds transfers, other than through Internet Banking on the same business day as an Internet Banking transaction, and if the account contains insufficient funds to enable both the electronic funds transfer and the Internet Banking transfer to be made, then the electronic funds transfer will have priority and the Internet Banking transfer will be refused or will result in an overdraft on your account. This is at the Bank’s discretion.
Reporting Unauthorized Transactions or Theft or Loss of Access Codes.
If you believe that an unauthorized transaction has been made from your account, or if your Access Codes have been lost or stolen, your responsibility and liability will be as described in Section 11. To minimize your potential liability, you should notify the Bank immediately by (1) calling Customer Care at: 979-836-4571(local) or 888-292-4571 (toll free), (2) coming in to the Bank to report the unauthorized use, or (3) writing the Bank at:
Brenham National Bank
P.O. Box 2568
Brenham, Texas 77834
Attn: Customer Care
Periodic Statements.
Your Internet Banking payments and transfers will be listed on the periodic statements we provide or make accessible by mail or delivery service. We may also provide or make accessible to you statement information electronically or by some other means. You agree to notify us promptly if you change your address or if you believe there are errors or unauthorized transactions in any statement, or statement information (see Section 10.d).
Business Days and Hours of Operation.
Internet Banking service is generally available 24 hours a day, seven days a week. However, we only process transactions and update information on business days. Any transaction(s) to be made on a day that is not a business day will be credited, completed, or made on the next business day.
Customer’s Responsibility and Liability.
You must have enough available money or credit in any account from which you instruct us to make a transfer, or for you to engage in any other transaction involving the transfer of funds.
You are responsible for all transactions that you authorize or make using Internet Banking, including any transactions that you may unintentionally or inadvertently authorize or make, and any losses, charges, or penalties incurred as a result. If you permit other persons to use Internet Banking or your Access Codes, you are responsible for any transactions they authorize from your deposit and credit accounts, including any losses, charges, or penalties incurred as a result.
You should notify the Bank immediately if you believe any of your accounts have been accessed or your Access Codes have been used without your permission. Contacting the bank immediately, especially by telephone, will help you reduce your potential losses.
If someone used your Access Codes without your permission, you can lose no more than $50.00 if you notify the Bank within two business days of discovering any unauthorized use of your Access Codes. However, you can lose as much as $500.00 if you do not notify the Bank within two business days of discovering the unauthorized use and the Bank can prove that it could have prevented the unauthorized use had it been notified.
If you do not report unauthorized transactions that appear on any of your periodic statements within 60 days after such statements are mailed to you, you risk unlimited losses on transactions made after the 60-day period has passed if the Bank can show that it could have prevented the unauthorized use had it been notified within this 60-day period.
At the Bank’s sole discretion, we may extend these time periods.
You are fully obligated to us to provide sufficient funds for any payments or transfers you make or authorize to be made. If we complete a payment or transfer that you make or authorize and we subsequently learn that you have insufficient funds for the transaction, you agree that we may reverse the transaction or offset the shortage with funds from any other deposit account(s) you have with us to the extent permissible by the applicable law and the terms of any other relevant agreements.
Joint Accounts.
The provisions of this section apply if any of your accounts with us is a joint account. As a holder of a joint account, you are jointly and severally liable under this Agreement. Each of you acting alone may perform transactions, obtain information, stop or change payments or transfers, terminate this Agreement or otherwise transact business, take actions or perform under this Agreement. We are not required to obtain the consent of, or notify any other of you. However, each of you will only be permitted to access accounts for which you are an owner or authorized user.
Each of you individually releases us from any liability and agrees not to make a claim or bring any action against us for honoring or allowing any actions or transactions where the person performing the action or transaction is one of you or is otherwise authorized to use your Internet Banking account. Each of you agrees to indemnify us and hold us harmless from any and all liability (including, but not limited to, reasonable attorney’s fees) arising from any such claims or actions.
Bank’s Responsibility.
The Bank is responsible for completing transfers on time according to your properly entered and transmitted instructions. However, the Bank will not be liable for completing transfers:
- If, through no fault of ours, you do not have enough available money in the account from which a payment or transfer is to be made, if the account has been closed, frozen, or is not in good standing, or if we reverse payment or transfer because of insufficient funds;
- If any payment or transfer exceeds the credit limit of any account or under the Instructions of this Agreement;
- If you have not properly followed software or the Instructions on how to make a transfer, or other transaction;
- If you have not given the Bank complete, correct, and current instructions, account numbers, Access Codes, or other identifying information so that the Bank can properly credit your account or otherwise complete the transaction;
- If withdrawals from any of your linked accounts have been prohibited by a court order such as a garnishment or other legal process;
- If your Computer, your software, or Internet Banking was not working properly and this problem should have been apparent to you when you attempted to authorize a transaction.
- If you, or anyone you allow, commits fraud or violates any law or regulation; or
- If circumstances beyond the Bank’s control prevent making a transfer, despite reasonable precautions that the Bank has taken. Such circumstances include telecommunications outages, postal strikes, delays caused by payees, fires, and floods. There may be other exceptions to the Bank’s liability as stated in the applicable Account Agreements.
In addition, the Bank will not be liable for indirect, special, consequential, economic, or other damages arising out of the installation, use or maintenance of Internet Banking and/or its related equipment, software, or online services.
Disclosure of Account Information To Others.
To the extent necessary to carry out the Internet Banking functions, the Bank may disclose information about your accounts to third parties in accordance with the Privacy Policy as it exists and as it may be amended from time to time.
Notices and Communications.
Except as otherwise provided in this Agreement, all notices required to be sent to you will be effective when we mail or deliver them to the last known address that we have for you in our records or when we make such notices available to you through our Internet Banking Service or at the last known e-mail address that we have for you in our records.
Notices from you will be effective when received by mail at the following address or such other address we may advise you of in writing, and the Bank has had a reasonable opportunity to act.
Brenham National Bank
P.O. Box 2568
Brenham, Texas 77834
Attn: Customer Care
E-Mail Communications.
Use of e-mail to communicate with the Bank is at your own risk. We will not send any confidential or sensitive information, such as your Access Codes (including your PIN), account numbers, or financial information over any general or public e-mail system. You cannot use e-mail to initiate transactions on your accounts.
Error Resolution.
This section applies only to electronic funds transfers governed by the EFTA and REG E. In case of errors or questions about your Internet Banking transactions, please telephone Customer Care (see Section 10.d) If you think your statement is wrong or if you need more information about a transaction listed on the statement, the Bank must hear from you no later than 60 days after it sends or delivers to you the FIRST statement on which the problem or error appeared. If you requested more information about a problem or error, the Bank must hear from you within 60 days after it sends or delivers that information to you.
In any communications about problems or errors, you must provide us with the following information:
- Your name and account number(s).
- The type, time, and date of the transaction and the dollar amount of the suspected error.
- A description of the error or the transfer you are unsure about, and an explanation as to why you believe it is an error or why you need more information.
If you tell the Bank orally about a problem or error, you must also send in your complaint or question in writing within 10 business days after we hear from you. The Bank will then in good faith attempt to correct any error promptly.
If the Bank needs more time, however, it may take up to 45 days to investigate your complaint or question, in which case, the Bank will re-credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes the Bank to complete its investigation. If the Bank asks you to put your complaint or question in writing and does not receive it within 10 business days, the Bank may not re-credit your account.
If the Bank decides that there was no error, it will send you a written explanation within three business days after it finishes its investigation. You may ask for copies of the documents that the Bank used in its investigation.
Information Authorization.
You agree that the Bank reserves the right to request a review of your credit rating at its own expense through an authorized bureau. In addition, you agree that the Bank reserves the right to obtain financial information regarding your account(s) from a merchant or other institution to resolve payment posting problems.
Data Recording.
When you contact Internet Banking to conduct transactions, the information and e-mail messages you enter may be recorded. By using Internet Banking, you consent to such recording.
Tape Recording.
You agree that we may tape record any telephone conversations you have with us regarding the services covered by the Agreement. However, we are not obligated to do so and may choose not to in our sole discretion.
Amendment of this Agreement.
Where the EFTA and REG E apply, the Bank may amend this Agreement at any time by sending notice to you by mail or, to the extent permitted by law, by e-mail or electronic communication through Internet Banking, at least 21 days before the effective date of the amendment. Where the EFTA and REG E apply, notice is always required if the change would result in:
- Increased fees for the customer;
- Increased liability for the customer;
- Fewer types of available electronic fund transfers; or
- Stricter limitations on the frequency of dollar amount of transfers.
If the EFTA and REG E apply, we are not required to give notice if an immediate change in terms or conditions is necessary to maintain or restore the security of an account or an electronic fund transfer system. However, if such a change is permanent, and disclosure would not jeopardize security, we will notify you in writing on or with the next regularly scheduled periodic statement or within 30 days of making the change permanent. Such notices will also be published on the Bank’s web site.
If the EFTA and REG E do not apply to a particular transaction, and other state or federal laws do not specify any notice or other requirements for an amendment, we will decide what kind of notice (if any) we will give you and the method of providing any such notice.
Your continued use of Internet Banking is your agreement to any amendments of the Agreement, including the Instructions as may be amended from time to time.
Assignment.
The Bank may assign its rights and delegate its duties under this Agreement to a company affiliated with the Bank or to any other party.
Termination.
Either you or the Bank may terminate this Agreement and your Internet Banking subscription at any time upon giving written notice of the termination to the other party. If you terminate Internet Banking, you authorize the Bank to continue making transfers you have previously authorized and continue to charge monthly fees until such time as the Bank has had a reasonable opportunity to act upon your termination notice. Once the Bank has acted upon your termination notice, the Bank will make no further transfers from your accounts, including any transfers you have previously authorized. If the Bank terminates your use of Internet Banking, the Bank reserves the right to make no further transfers from your accounts, including any transactions you have previously authorized.
No Waiver.
The Bank shall not be deemed to have waived any of its rights or remedies unless such waiver is in writing and signed by the Bank. No delay or omission on the part of the Bank in exercising its rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
Captions.
The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.
Governing Law.
This agreement will be governed by the laws and regulations of the State of Texas and the United States. Subject to the provisions stated below in Section 29 – Arbitration, any lawsuit regarding your account(s) must be brought in a proper court in the State of Texas.
Enforcement.
In the event a dispute arises under this Agreement, the prevailing party shall be entitled, subject to applicable law, to payment by the other party of its reasonable attorney’s fees and costs, including fees for any arbitration, appeal, or bankruptcy proceedings, and any post-judgment collection actions, if applicable. If there is a lawsuit, you agree that it may be filed and heard in the State of Texas, if allowed by applicable law.
Severability.
Should any part of this Agreement be held invalid or unenforceable, that portion shall be construed consistent with applicable law as nearly as possible to reflect the original intent of the Agreement, and the remaining portions shall remain in full force and effect.
Arbitration.
Disputes between you and the Bank under this Agreement and that relate to any of your Bank accounts are subject to the arbitration provisions, if any, described in the applicable Account Agreements.
SCHEDULE 1
INSTRUCTIONS FOR USE OF INTERNET BANKING
1. Access Codes: Prior to your first use of Internet Banking, you will be assigned a User Identification Code and will be required to select a Password (the User Identification Code and Password collectively are referred to as the “Access Codes”). You will need the Access Codes to gain access to Internet Banking. It is important that you keep your Access Codes confidential in order to prevent unauthorized use and possible loss to your accounts, and to prevent unauthorized use of Internet Banking. Anyone to whom you give or disclose your Access Codes will have full access to your accounts, even if you attempt to limit that person’s authority.
You may change your Access Codes for security reasons, or if you forget your Access Codes, by contacting the Bank to have new temporary Access Codes issued to you. It may take several days before you receive these Access Codes. There is no charge for changing your Access Codes
Under no circumstances will a Bank employee request your Access Codes (including your Password) through Internet Banking, over the Internet, on the telephone, or through other contact. Do not respond to any such request, even if the person claims to represent the Bank.
2. Security Precautions: The Bank is committed to the security of its customers’ accounts and account information. Similarly, you must take every precaution to ensure the safety, security, and integrity of your accounts and transactions with Internet Banking. The following guidelines should assist you in these efforts:
- Do not leave your account information out in an open area accessible by others, including on your Computer screen.
- Do not send your Access Codes or privileged account information over any public or general e-mail system.
- Do not leave your Computer unattended while you are connected to Internet Banking.
- We encourage you to routinely scan your Computer, diskettes, and software using a reliable virus product to detect and remove any viruses found. Undetected or unrepaired viruses may alter, corrupt, damage, or destroy your programs, files, and even your Computer. Additionally, you may unintentionally transmit the virus to other computers, diskettes, and software.
3. Hardware Requirements: You must have a computer capable of accessing the Internet via a modem or a direct connection.
4. Software Requirements: You must have an Internet browser which will operate on the computer specified in (3) above that is capable of 128-bit encryption.
5. Adding Accounts: You may add existing accounts to your Internet Banking subscription, or you may open new accounts at Brenham National Bank and add them to your subscription, by calling Internet Banking, contacting us by e-mail as described in the Agreement, or by coming in to the Bank.
6. Reporting Unauthorized Transactions: If you believe that an unauthorized transaction has been made from your account, or if your Access Codes have been lost or stolen, alert the Bank immediately by: (a)calling Customer Care at: 979-836-4571(local) or 888-292-4571 (toll free), (b)coming in to the Bank to report the unauthorized use, or (c) writing the Bank at:
Brenham National Bank
P.O. Box 2568
Brenham, Texas 77834
Attn: Customer Care.
7. E-mail Transmissions: Use of the general or public e-mail system to communicate with the Bank is at your own risk. We will not send any confidential or sensitive information, such as your Access Codes, account numbers, or financial information over any general or public e-mail system. You cannot use e-mail to initiate transactions on your accounts. There is a Secure Message Center within the Total Access Internet Banking System whereby confidential information can be transmitted securely to and from the bank.
SCHEDULE 2
INTERNET BANKING FEE SCHEDULE
ACCOUNT ACCESS CHARGE: There is no monthly charge for Total Access Internet Banking.
STOP PAYMENT ORDERS: A fee of $12.50 will be charged for each Stop Payment Order issued.
SCHEDULE 3
BRENHAM NATIONAL BANK’S INTERNET PRIVACY POLICY
We know how important it is to you that we protect your personal information and respect your privacy. We collect, retain, and use information about you only for specific business purposes, including to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your financial needs so that we can provide you with high-quality products and service.
This policy describes how we collect, safeguard, and handle your personal information.
HOW AND WHEN WE COLLECT INFORMATION ABOUT YOU
Visitors to our web site remain anonymous, unless they sign on to use the banking services available to our customers. If you are a customer of the Bank, our files already contain certain information about you: identification information, (such as name and address), transaction and experience information (such as loan repayment history), and other personal information (such as information obtained from an application or consumer report). Please see “When We Share Your Information.”
We may also use standard software to collect non identifying information about visitors to our web site, such as:
- Date and time our site was accessed;
- IP address (a numeric address given to servers connected to the Internet);
- Web browser used; and
- City, state, and country.
If we collect such information, we will use it to create summary statistics and to determine the level of interest in information available on our site.
In addition, some areas of our web site may use “cookie” technology to place information about your visits to our site on your computer in a text file that only our web site’s server can read. Using cookies, our web site assigns you a unique identifier (not your actual identity), so that you may be recognized in later visits to our site. On your return visits, our site can call up information specific to you, such as your preferences or interests, as indicated by documents you accessed or links you selected in prior visits.
Visitors may elect to provide us with personal information via E mail, online registration forms, or our guest book. This information is used internally, as appropriate, to handle the sender's request. Please see “When We Share Your Information.”
ACCURACY OF INFORMATION
We take all measures necessary to maintain accurate and up-to-date customer records. If you find an error in anything you receive from us, please let us know. Please see “How to Contact Us.”
HOW WE PROTECT YOUR INFORMATION
The Bank has strong internal controls in place to guard the security of the information we maintain. We have procedures for access, storage and disposal of documents containing confidential customer information. For our Internet banking services, we use industry-approved security technologies, including [provide information here on security measures].
We limit access to your confidential information to those employees who have a business reason for seeing that information. We educate our employees about the importance of confidentiality and customer privacy, and enforce employee privacy responsibilities.
WHEN WE SHARE YOUR INFORMATION
By law, the Bank may disclose information about you and your accounts to our affiliates or third parties in the following instances:
- Where it is necessary, such as for completing transfers and bill payments, for check printing, or for data processing purposes;
- In order to verify the existence and condition of a payment account, such as to a credit bureau, merchant, or the payee or holder of a check issued by the Bank;
- In order to comply with laws, government agency rules or orders, court orders, subpoenas or other legal process, or in order to give information to any government agency or official having legal authority to request such information;
- To protect and enforce our rights; and
- When you ask or permit us to disclose such information.
In addition, if the bank believes it has a legitimate business reason for sharing personal information with an affiliate or a third party, such as to offer you certain discounts, products or services, we may share such information with third parties, unless you direct us in writing not to do so.
When we share your information with third parties according to this policy, we will require them to promise to keep your information confidential and to limit the use of such information only to the legitimate business purpose for which we have shared it.
HOW TO CONTACT US
If you:
- Have questions about this Privacy Policy;
- Need to notify us of possible unauthorized access to, or use of, your account information;
- Wish to review the information we have on file;
- Need to correct or change the information we have on file; or
- Choose to direct us not to share other personal information with our affiliates or third parties,
Please send a separate written request to:
Brenham National Bank
Attention: Compliance Officer
P. O. Box 2568
Brenham, TX 77834-2568
To help us complete your request, please type or print your name, address, phone number , account number(s), and social security number on your request.
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