Privacy Policy

At Jeff Davis Bank, the basis of each customer relationship is trust. You have chosen to do business with Jeff Davis Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe that your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.

Customer's Right to Privacy

We recognize your right to privacy at Jeff Davis Bank. We recognize that you have a right to expect your personal financial information to remain private and secure. Thus, the safekeeping of customer information is a priority for us. We will adhere to the privacy policies and practices as described in this notice for current, former and inactive customers.

Information Management Practices

We will limit the use and collection of information about our customers to that which is necessary to administer our business, provide superior service, and offer opportunities that we think will be of interest to customers. We collect and retain information about you only for specific business purposes. Upon your request, we will tell you why we are collecting and retaining such information. We use information 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 quality products and superior service. We will use this information only in accordance with the principles set out in this policy.

Limitations on Employee Access to 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. Each Jeff Davis Bank employee is required to follow our company's "Code of Conduct" and they annually renew their pledge to confidentiality by signing a "Confidentiality Oath". Employees who violate the privacy principles are subject to dismissal.

Established Security Procedures

Jeff Davis Bank is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

Sources of Information We Collect

Jeff Davis Bank collects nonpublic personal information about you from the following sources: 1) information we receive from you on applications or other forms; 2) information about your transactions with us, our affiliates, or others; and 3) information we obtain from consumer reporting agencies.

Restrictions on the Disclosure of Account Information

We reserve the right to share information with our affiliate, Jeff Davis Bancshares, Inc. (our holding company). In addition, we may disclose the following kinds of nonpublic personal information about you:

-Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income;

-Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions, and credit card usage; and

-Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

We may disclose nonpublic personal information about you to the following types of third parties:

-Financial service providers with whom we have a joint marketing agreement, such as mortgage bankers, securities brokers-dealers, and insurance agents.

We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

We may disclose all of the information we collect, as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Customer Privacy in Business Relationships with Third Parties

When Jeff Davis Bank conducts business with third parties, it expects its vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information provided to them.

Providing Privacy Information to Customers and Responding to Inquiries

At Jeff Davis Bank, we value our customer relationships. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how we protect your confidential information, please call your local branch.