OmniBank

Internet Banking

Privacy Statement

Visitors to the OMNIBANK, N.A. website are anonymous. We do not collect identifying information about visitors to our site. However, we may use standard software to collect non-identifying information about our visitors, such as:

OMNIBANK uses this information to create summary statistics and to determine the level of interest in information available on our site.

Visitors may elect to provide us with personal information via e-mail, online registration forms, or by signing our guest book. This information is used internally, as appropriate, to process the sender's request. It is not disseminated or sold to other organizations.

Some areas of our website may use a "cookie" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.

INTRODUCTION

At OMNIBANK, N.A., the basis of each customer relationship, many of which span generations, is trust. The right to financial privacy is a priority for employees, officers and directors of the bank, and we are committed to maintaining the confidentiality of our customer's information. You have chosen to do business with OMNIBANK, and we are obligated to honor that relationship with great care, beginning with the information you choose 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.

RECOGNITION OF A CUSTOMER'S EXPECTATION OF PRIVACY

At OMNIBANK, N.A., we believe the confidentiality and protection of our customer's information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers' trust. The safekeeping of customer information is a priority for OMNIBANK. Customer Privacy Statement notices describe the primary policies and practices of Bancshares, Inc. and its subsidiary, OMNIBANK, N.A. Our policies cover information on individual consumers who utilize the bank’s financial products or services primarily for personal, family, or household purposes.

USE, COLLECTION, AND RETENTION OF CUSTOMER INFORMATION

We collect, retain, and use information about you only where we reasonably believe it will help administer our business or provide products, services, and other opportunities to you. We collect and retain information about you for specific business purposes. We use that 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 the highest quality products and superior service. Our use-of-information provisions explains these concepts in greater detail.

MAINTENANCE OF ACCURATE INFORMATION

We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify our Customer Service Department. We will investigate your concerns and correct any inaccuracies.

LIMITING EMPLOYEE ACCESS TO INFORMATION

At OMNIBANK, N.A., employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information and on privacy principles. Because of the importance of these issues, all OMNIBANK employees are responsible for maintaining the confidentiality of customer information and employees who violate these privacy principles will be subject to disciplinary measures.

PROTECTION OF INFORMATION VIA ESTABLISHED SECURITY PROCEDURES

We maintain physical, electronic, and procedural safeguards according to established security standards and procedures, and we continually assess new technology to best protect customer information. Our employees are trained to understand and comply with these informational principles.

RESTRICTIONS ON THE DISCLOSURE OF ACCOUNT INFORMATION

We do not reveal specific information about your accounts or other personally identifiable data to parties outside our affiliated banks and companies for their independent use unless: 1) you request or authorize it; 2) the information is provided to help complete a transaction initiated by you; 3) the information is provided to a reputable credit bureau or similar information reporting agency; or 4) the disclosure otherwise is lawfully permitted or required. We do not provide personal account information to non-OMNIBANK companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

MAINTAINING CUSTOMER PRIVACY IN BUSINESS RELATIONSHIPS WITH THIRD PARTIES

When the bank conducts business with third parties, it requires 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

OMNIBANK, N.A. recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed these privacy principles which are made readily available to our customers. Customers who have questions about these privacy principles or have questions about the privacy of their customer information should call their local branch and speak to the branch operations manager or contact us using the e-mail reply function located on our web page.

PRIVACY QUESTIONS

If you have questions regarding privacy issues, please contact the Compliance Officer in writing at this address: P.O. Box 14549, Houston, Texas 77221.

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