Personal Information and Data Collection
 When you visit or use American National Bank of Texas online services, American National Bank of Texas may collect personal information and data you provide via forms, surveys, or applications. Personal information may include your name, email address, mailing address, telephone number, location information or other fields requested and provided by you.

American National Bank of Texas may also collect information about you from other online and offline sources; including social media, (See Linking to other sites and social media sites below for information on social media pages) web browsers, devices, cookies, and pixels. American National Bank of Texas may combine this information with the personal information American National Bank of Texas has collected about you under this Online Banking and Digital Privacy Policy.
 

How American National Bank of Texas May Use Personal Information
 Personal Information we collect from and about you through your use of our Sites may be used for many purposes, such as:

• Delivering products and services, such as processing applications, processing transactions, consolidating financial account information in our account aggregation service, and locating our nearby branches and ATMs
• Detecting and preventing fraud, identity theft and other risks to you and American National Bank of Texas
• Personalizing your digital experience by enhancing the overall Site organization and design and sending you relevant alerts via text, email, or push notifications
• Advertising and marketing, such as providing offers for products and services via mail, email, or phone, displaying online advertising, targeting our offers or promotions, conducting market research, and evaluating or improving the effectiveness of our marketing efforts
• Performing analytics concerning your use of our Digital Banking services, including your responses to our emails and the pages and advertisements you view
• Complying with and enforcing applicable legal requirements, industry standards, contractual obligations and American National Bank of Texas polices

We retain personal information for a period of time as required by laws and regulations and the necessary business purpose.
 

How American National Bank of Texas Shares Personal Information
 If you are an American National Bank of Texas customer, American National Bank of Texas will use and share any information that American National Bank of Texas collects from or about you in accordance with our Privacy Notice.

Other information American National Bank of Texas Collects Online and How it is Used
 Other information is any information that does not reveal your identity or does not relate to an individual. Examples of other information are your internet protocol address (IP address), device type, browser type, and browsing history on American National Bank of Texas’s website. American National Bank of Texas may collect this information in a variety of ways, including:

• Through your browser or mobile device. American National Bank of Texas may capture the IP address of the device you use to connect to our online service, as well as the type of browser and device type you use. This information may be used for fraud detection, security purposes, and to ensure functionality. American National Bank of Texas may use your IP address to help diagnose problems, to personalize your experience, for compliance purposes, for advertising, and administrative purposes.
• Using cookies. Cookies are stored on the device you are using to connect to the online service. We may capture browser type, pages visited, time spent on the site, and other information through cookies. This information is used to recognize your device each time you visit, to personalize your experience, for security, advertising, and statistical analysis purposes. You can refuse to accept cookies in your browser settings however, if you do not accept, you may experience issues with online services and functionality.
• Through third-party widgets. American National Bank of Texas may allow widgets that enable information to be easily shared on another platform. The third parties that own the widgets may have access to information about your browsing history on the pages of American National Bank of Texas’s website.
• Through third-party services. American National Bank of Texas may use third-party servers and the use of cookies and other technologies for verification and fraud detection by collecting computer, device and connection information, such as IP address, browser type and version, operating system and other software installed on your device, mobile platform, and unique device identifier and other technical identifiers, error reports and performance data; usage data, such as the features you used, the settings you selected, your URL click stream data, including data and time stamp and referring and exit pages, and pages you visited while using a American National Bank of Texas online product; and/or for location-awareness of the region, city or town where your device is located in order to provide you with more relevant content for where you are in the world.

How Other Information is Shared
American National Bank of Texas may share other information collected from and about you with other third parties as permitted by law. This may include third-party service providers, third parties in conjunction with a corporate transaction, or other third parties to comply with legal requirements and in accordance with our Privacy Policy. American National Bank of Texas may also use data that we collect on an aggregate or anonymous basis, where permissible.
 

Links to Other Sites
American National Bank of Texas’ Sites may contain links to third party websites. When you click on a link to any other website or location, you will leave our Site and go to another site and another entity may collect personal and/or anonymous information from you. The Site’s provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Online Banking and Digital Privacy Policy do not apply to these outside websites. We encourage you to read the privacy policy of every website you visit.
 

Security
American National Bank of Texas uses physical, electronic, and procedural security measures that comply with applicable federal and state laws and restrict access of Non-Public Financial Information to employees or agents who need the information to provide products or services to you. These measures may include device safeguards and secured files and buildings. Please visit Security Information for additional information about how we protect your personal information.
 

Protecting Children’s Online Privacy
American National Bank of Texas’s online services are not intended for children under the age of 13, and American National Bank of Texas requests that personal information regarding children under the age of 13 not be provided through online services. Information is not knowingly collected from children under the age of 13 without parental consent.
 

Controlling Cookies
 Visit the Federal Trade Commission to learn more about how to limit tracking and online advertising through controlling cookies and other tracking technology that is attached to your browser.

You have several choices regarding use of your personal information.

a) Email addresses: if you provide us an email address, we may send you e-mails with information on new products or services or other marketing materials. If you do not wish to receive such e-mails, you may unsubscribe from future e-mails by clicking the “unsubscribe” link that is included in every marketing e-mail. If you choose to unsubscribe from marketing e-mails, we may still send you emails about your accounts or for other non-marketing purposes.

b) Phone numbers: if you supply us with a phone number online, you may receive calls from us. If your phone number is listed on the National Do Not Call Registry, we will not call you for marketing purposes unless you have an existing business relationship with us. If you opt out of marketing calls, we may still call you about your accounts or for other non-marketing purposes.

We may also send you notifications by SMS (text), such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.

c) Location Tracking: If you initially consented to the collection of geo-location information through our Mobile Banking App, you could subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the App.

This Online Banking and Digital Privacy Policy may change from time to time. Any changes to this Online Banking and Digital Privacy Policy will become effective when we post the revised Online Banking and Digital Privacy Policy on www.anbtx.com. Please review it periodically.

If you have any questions about this Privacy Policy or American National Bank of Texas’s data collection practices, please contact us by email at: [email protected]; or by telephone at 800.837.6584.