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Privacy and Security

Security Information

The FBI's Internet Fraud Complaint Center (IFCC) reports a steady increase in complaints involving unsolicited e-mails directing consumers to a phony "customer service" web site or directly asking for customer information. These scams are contributing to a rise in identity theft, credit card fraud, and other Internet-based frauds. E-commerce customers, including bank customers, have fallen victim to these scams. Phishing involves sending customers a seemingly legitimate e-mail request for account information, often under the guise of asking the customer to verify or reconfirm confidential personal information such as account numbers, social security numbers, passwords, and other sensitive information. In the e-mail, the perpetrator uses various means to convince customers that they are receiving a legitimate message from someone whom the customer may already be doing business with, such as a bank. Techniques such as a false "from" address or the use of seemingly legitimate bank logos, Web links, and graphics may be employed to mislead the customer. After gaining the customer's trust, the perpetrator attempts to convince the customer to provide personal information and provides one or more methods for the customer to communicate that information back. For example, the e-mail might include a link to the perpetrator's web site that contains a form for entering personal information. Like the e-mail, the web site is designed to trick the customer into believing it belongs to the bank. Alternatively, the e-mail might simply include an embedded form for the customer to complete. The ultimate goal of this fraud is to use the customer information to gain unauthorized access to a customer's bank or financial accounts or to engage in other illegal acts.

In order to keep our valued customers protected from these types of crime, Independence Bank has developed the following tips to keep your personal information protected.

  • Independence Bank will never request confidential information through email.
  • Memorize all your passwords. Do not record them on anything in your wallet, purse, or electronic organizer.
  • When creating passwords and PINs (personal identification number), do not use the last four digits of your social security number, your birthdate, middle name, pet's name, consecutive numbers or anything else that could easily be discovered by thieves.
  • Notify your banker of suspicious email inquiries such as those asking for personal information or directing you to a web site that contains a form for entering personal information

For more information about identity theft, please visit Federal Trade Commission (FTC) web site at: www.ftc.gov

A Reminder About Email Security

Independence Bank is committed to ensuring the safety of your account and financial information and would like to remind you that e-mail is not 100 percent secure. Sensitive personal data and account information, such as account numbers, social security numbers, passwords or Personal Identification Numbers (PINs) etc., should never be sent by e-mail.

Personal Computer Usage

Your PC is your first line of defense on the Internet, and with just a couple of tools and some diligence, you can greatly improve your security. Make sure your computer has both an anti-spyware protection program that detects and removes spyware and an anti-virus program. Keep both programs updated. Be very protective of your personal and account information. There are criminals who try to trick you by creating sites that look similar to real sites. The best way to know whom you are dealing with is to type the address in your browser address bar.

Privacy Notice

We understand the importance of your privacy and are committed to protect it at all times. From time to time, we will use your information to provide you with improved services and information about additional products, as well as to comply with applicable laws and regulations – but we will always use that information responsibly.

We maintain procedures to ensure accurate information and to respond in a timely manner to your requests to change or correct information. For more information, please read our Privacy Notice.

 

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Additional Disclosures

ELECTRONIC FUNDS TRANSFERS

YOUR RIGHTS AND RESPONSIBILITIES

The Electronic Fund Transfers we are capable of handling for consumers are indicated below, some of which may not apply to your account. Some of these may not be available at all terminals. Please read this disclosure carefully because it tells you your rights and obligations for these transactions. You should keep this notice for future reference.

TYPES OF TRANSFERS, FREQUENCY AND DOLLAR LIMITATIONS

  1. Prearranged Transfers.
    Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking and/or savings account(s).
    Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking and/or savings account(s)
  2. Telephone Transfers. You may access your account(s) by telephone at 832-615-6999 using a touch tone phone, your account numbers, and four digit PIN to:
    • Transfer funds from checking to savings
    • Transfer funds from savings to checking
    • Transfer funds from money market account to checking account
    • Transfer funds from checking account to money market account
    • Get checking account(s) information
    • Get savings account(s) information
    • Get Certificate of Deposit information
    • Get IRA account information
    • Get loan account information
  3. ATM Transfers. You may access your account(s) by ATM using your ATM or Visa Check Card and personal identification number to:
    • Get cash withdrawals from checking accounts you may withdrawal no more than $400.00 per day.
    • Get cash withdrawals from savings accounts you may withdraw no more than $400.00 per day.
    • Transfer funds from savings to checking
    • Transfer funds from checking to savings
    • Transfer funds from checking account to money market account and vice versa
    • Get checking account(s) information
    • Get savings account(s) information
    • Get money market account(s) information
  4. Point-Of-Sale Transactions. Using your card, you may access your checking account to purchase goods (in person, by phone, by computer), pay for services (in person, by phone, or by computer) get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything you can do with a credit card. You may not exceed more than $1,000.00 in transactions per day.
  5. Computer Transfers. You may access your account(s) by computer at www.rightbanktx.com and using your account numbers, User Number and Password to:
    • Transfer funds from checking to savings
    • Transfer funds from savings to checking
    • Transfer funds from money market account to checking account
    • Transfer funds from checking account to money market account
    • Make payments from checking to loan accounts with us
    • Make payments from checking account to pay bills
    • Get checking account(s) information
    • Get savings account(s) information
    • Get money market account information
    • Get CD/IRA account information
    • Get loan account information
  6. Electronic Check/Draft Conversion. You may access your account(s) with check writing capabilities by electronic check or draft conversion. Your authorization to make these types of electronic funds transfers may be expressed in writing or implied through the posting of a sign.
  7. Electronic Fund Transfers Initiated by Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearinghouse (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In some cases, your authorization can occur when the merchant posts a sign informing you of their policy. In all cases, the transaction will require you to provide the third party with your account number and financial institution information. This information can typically be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers.

GENERAL LIMITATIONS

In addition to those limitations on transfers elsewhere described, if any, the following limitations apply:
Transfers from a money market/savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to 6 with no more than 3 transfers by check or draft or similar order to third parties. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.

FEES

We will refund any surcharges you pay at other bank's ATM's. We will refund up to $10.00 each month. Mail or drop off your ATM receipts with name/address and account number. See below for mailing address. Except as indicated above, we do not charge for Electronic Fund Transfers.
ATM Operator/Network Fees: When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.)

DOCUMENTATION

  1. Terminal Transfers. You can get a receipt at the time you make any transfer to or from your account using one of our terminals.
  2. Preauthorized Credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at the telephone number listed below to find out whether or not the deposit has been made.
  3. In addition, You will get a monthly account statement from us, unless there are no transfers in a particular month. In any case you will get a statement at least quarterly.

In the event of any conflict between this document and Rules & Regulations this document shall control & supersede.

PREAUTHORIZED PAYMENTS

  1. Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments.
    Here's how: Call or write us at the telephone number or address listed in this disclosure, in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. We charge $25.00 for each stop payment.
  2. Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)
  3. Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

FINANCIAL INSTITUTION'S LIABILITY

Liability for failure to make transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

  • If, through no fault of ours, you do not have enough money in your account to make the transfer.
  • If the transfer would go over the credit limit on your overdraft line.
  • If the automated teller machine where you are making the transfer does not have enough cash.
  • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
  • If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

There may be other exceptions stated in our agreement with you.

CONFIDENTIALITY

We will disclose information to third parties about your account or the transfers you make:

  1. where it is necessary for completing transfers; or
  2. in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
  3. in order to comply with government agency or court orders; or
  4. as explained in the separate Privacy Disclosure (hyper link to Privacy Notice)

UNAUTHORIZED TRANSFERS

  1. Consumer Liability. Tell us at once if you believe your card and/or code has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you believe your card and /or code has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your card and/or code without your permission. Also, if you do NOT tell us within 2 business days after you learn of the loss or theft of your card and /or code, and we can prove we could have stopped someone from using your card and /or code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time period.
  2. Visa Card Debit. Additional Limits on Liability for Visa Check Card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa card. This additional limit on liability does not apply to ATM transactions, to transactions using your Personal Identification Number which are not processed by Visa, or to commercial cards. Visa is a registered trademark of Visa International Service Association.
  3. Contact in event of unauthorized transfer.If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed at the end of this disclosure.

 

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ERROR RESOLUTION NOTICE

In Case of Errors or Questions About Your Electronic Transfer, call or write us at the telephone number or address listed below, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

  1. Tell us your name and account number (if any).
  2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within ten business days (five business days if involving a Visa transaction or twenty business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty five days (ninety days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within ten business days (five business days if involving a Visa transaction or twenty business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten business days, we may not credit your account. An account is considered a new account for thirty days after the first deposit is made, if you are a new customer. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.
You may ask for copies of the documents that we used in our investigation.

INSTITUION (address, name, telephone number, business days)

Independence Bank, N.A.
Attn: Customer Service Department
13100 Northwest Freeway, Suite 100
Houston, TX 77040

832-615-6800

Lobby Hours: Monday through Friday 9:00 a.m. to 5:00 p.m.

 

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