At Allegiance Bank of North America the confidentiality and protection of customer
       information is one of our fundamental responsibilities. We value your business and the
            trust you have in us. We want you to know that we carefully manage customer
               information to give you better service and offer you additional benefits based on
                your relationship. It's also important for you to know that we do not sell or share
                customer information with non-affiliated third parties or outside marketers, except
               as permitted by law.

             NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

   We, our, and us, when used in this notice, mean Allegiance Bank of North America and our subsidiaries, Allegiance Financial Services, Inc., All Search Abstract, LLC, and Paramount Mortgage and Capital, LLC. This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

   Our consumer customers who have a continuing relationship by purchasing or holding
      financial products or services such as a(n):

         Deposit account
         Loan account
         Safe deposit box
         Investments
         Insurance

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information. We first define some terms.

         Nonpublic personal information means information about you that we collect in
           connection with providing a financial product or service to you. Nonpublic personal
           information does not include information that is available from public sources, such
           as telephone directories or government records. Hereafter ,we will use the term
           "information" to mean nonpublic personal information as defined in this section.
         An affiliate is a company we own or control, a company that owns or controls us, or
           a company that is owned or controlled by the same company that owns or controls
           us. Ownership does not mean complete ownership, but means owning enough to
           have control.
         A nonaffiliated third party is a person we do not employ or a company that is not an
           affiliate of ours. This is also known as a nonaffiliated third party, or simply, an "other
           party."

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

         Information you give us on applications or other forms
         Information about your transactions with us
         Information about your transactions with our affiliates
         Information about your transactions with other parties
         Information from a consumer reporting agency
         Information we receive as a result of verifying customer information
         Information we receive through our Customer Identification Program

INFORMATION WE DISCLOSE ABOUT YOU

We do NOT disclose any information about you to anyone, except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to 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 to protect this information.

INFORMATION ABOUT FORMER CUSTOMERS

We do not disclose information about former customers, except as permitted by law.

PROTECTING YOUR ALLEGIANCE BANK ONLINE TRANSACTIONS

To ensure that your Internet banking and bill payment transactions remain confidential and secure, Allegiance Internet banking employs state-of-the-art technology. Allegiance Internet banking includes several levels of security measures to prevent unauthorized users from accessing your information or gaining access to our network. Security measures include firewalls, screening/filtering routers, encryption, password protection and other methods.

         Firewalls and Screening/Filtering Routers - Firewalls and screening/filtering routers
           are "gateways" that verify the source, destination and protocol of each data packet
           and determine whether or not to send the packet through. This ensures that you will
           only receive information pertaining to Allegiance Internet banking.
         Encryption - Once you enter Allegiance Internet banking we use encryption to
           protect your data from being altered or monitored en route to your computer. Secure
           Socket layer (SSL) encryption provides a secure channel for data transmission
           across computer networks using public key cryptography. Public key cryptography
           is a technique that uses a pair of keys, one is public and one is confidential, for
           encryption and decryption. Certain pages in our website are protected by public key
           cryptography. To see if the page you are on is protected, check the "URL" or web
           address at the top of the screen. If the address begins with "https" then you are
           using a secure screen.
         Password Protection - Allegiance Internet banking uses Personal Identification
           Numbers (PINs) to restrict entrance to the system. As an Allegiance Internet
           banking user, you can change your PIN. We have a ten-minute time-out period when
           your computer will automatically log off the system. Together, these measures
           make it difficult for the entry of unauthorized data or unauthorized access into the
           system. For your own security and privacy, it is recommended that you memorize
           your PIN and destroy all written references. You are responsible for keeping your
           PIN confidential. Do not give your PIN to anyone. Allegiance Bank employees will
           never ask you for your PIN.

INFORMATION WE OBTAIN FROM VISITORS BROWSING AND VIA COOKIES

For a more effective website, we use "cookies" as part of our interaction with your browser. A "cookie" is a commonly used small text file placed on your hard drive by our Web page server. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted. We use cookies to determine if you have previously visited our web site and for a number of administrative purposes. These cookies do not collect personally identifiable information, and we do not combine information collected through cookies with other personal information to determine who you are or your email address.

If the use of cookies is a concern to you, then please set your browser to alert you accordingly. Newer browser versions allow you to be alerted or to automatically refuse cookies. You may need to download a more current version of your web browser from your service provider in order to obtain this option.

CHILDREN VISITING OUR WEB SITE

We do not market to or knowingly solicit data from children. We recognize that protecting childrens identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.

EXTERNAL LINKS

Allegiance Bank of North America is not responsible for the information practices employed by sites linked to or from our web site. In most cases, links to non-Allegiance Bank of North America web sites are provided solely as pointers to information on topics that may be useful to the users of the Allegiance Bank of North America web site. If you are asked to provide information on one of those web sites, we strongly urge that you first study carefully their privacy policies.

PRIVACY COMMITMENT TO YOU

Trust us to keep you informed of how we protect your privacy and limit the sharing of information you provide to us whether its at a banking center, over the phone or through the Internet.

HOW TO CONTACT US

Should you have other questions or concerns about our privacy policies, please call us at (610) 949-9500 or send us an email at greatservice@allegbank.com.

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