Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons GULF CAPITAL BANK chooses to share, and whether you can limit this sharing.

For our everyday business purposes, such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.

For our marketing purposes to offer our products and services to you.

For joint marketing with other financial companies.

For our affiliates’ everyday business purposes, such as information about your transactions and experiences.

GULF CAPITAL BANK does not have affiliates.

For our affiliates’ everyday business purposes—information about your creditworthiness.

GULF CAPITAL BANK does not have affiliates.

For nonaffiliates to market to you.

Call 713-999-8800, or go to www.gulfcapitalbank.com.

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings, secure access to online banking and mobile banking using multifactor authentication, and security questions to identify you when you call the bank.

We collect your personal information, for example, when you:

• Open an account or deposit funds.
• Pay your bills online or apply for a loan.
• Use your debit card for everyday purchases.

Geo-Location Information: Many mobile devices permit applications to access real-time location-based information. Our mobile applications may collect such information, with your permission, in order to enhance the features and functionality of our websites and financial service offerings. In addition, some of the information we already collect such as IP Addresses, may be used to estimate an approximate location of the device you are using to access our websites.

We also collect your personal information from others, such as credit bureaus, LexisNexis^®, ID Insight℠ and Early Warning Services^® LLC.

Federal law gives you the right to limit only:

• Sharing for affiliates’ everyday business purposes – information about your creditworthiness.
• Affiliates from using your information to market to you.
• Sharing for nonaffiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing.

Companies related by common ownership or control. They can be financial and nonfinancial companies. GULF CAPITAL BANK does not have affiliates.

Companies not related by common ownership or control. They can be financial and nonfinancial companies. GULF CAPITAL BANK does not have any nonaffiliates that we would share your information with.

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include credit card companies.

Gulf Capital Bank is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Gulf Capital Bank should contact the Texas Department of Banking through one of the means indicated below:

In Person or US Mail: 2601 North Lamar Boulevard, Ste 300, Austin, Texas 78705-4294
Telephone Number: 877-276-5554
Fax Number: 512-475-1313
E-mail: [email protected]
Website: www.dob.texas.gov