---

Our Privacy Commitment to You

We, our, and us, when used in this notice, mean R BANK. This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

• All of our consumer customers who have a continuing relationship with us, such as:
• Deposit account
• Loan account
• Credit card
• All former customers

We will tell you the source 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. 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 company that is not an affiliate of ours.

Confidentiality, Security, and Integrity of Nonpublic Personal Information

We restrict access to nonpublic personal 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 that comply with federal standards to guard your nonpublic personal information. We may disclose nonpublic personal information about you.

You do not have a right to opt out of the disclosure of this information.

Nonpublic Personal Information We Collect

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on application or other forms
• Information we receive from a consumer reporting agency
• Information about your transactions with nonaffiliated third parties
• Information about your transactions with us, or others
• Information we collect through our customer identification program

Nonpublic Personal Information We Disclose

We do not disclose, nor do we reserve the right to disclose, any nonpublic personal information about our customers or former customers to anyone, except to other nonaffiliated third parties as permitted by law.

Service Providers Disclosure

Categories of Non-Affiliates that the Bank discloses non-public information, including but not limited to:

• Mortgage Banker
• Insurance Agents
• Consumer Reporting Agency
• Check Ordering Company

Notify Us of Inaccurate Information We Report To Consumer Reporting Agencies. Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address: R BANK 1900 Round Rock Avenue Round Rock, TX 78681.

Consumer Complaint Process

R 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 R BANK should contact the Texas Department of Banking through one of the means indicated below:

• In person or US Mail: 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294
• Telephone No. 877-276-5554
• Fax No. 512-475-1313
• E-mail: consumer. complaints@ banking. state.tx.us
• Website: www.banking.state.tx.us

Member FDIC

Rev. 6-2009