In order to assist you with your financial needs and provide you with more efficient service,

it is necessary to collect and maintain certain types of customer information. We may gather

and retain nonpublic personal information about you from the following sources:

• Applications or other forms that you provide to us that include information (such as your name, address, Social Security Number, tax identification number, assets, income and investment objectives).
• Financial account activity and transactions (such as your payment history, account balances and usage).
• Reporting agencies (such as your credit worthiness and credit history).

Maintaining complete and accurate information on our customer’s records is important.

Franklin Bank has established procedures, in accordance with reasonable industry standards,

to ensure information is current, accurate, and complete. If you become aware that we

may have any inaccurate information, please help us correct it by contacting a any of our

staff at 866-319-8344.

Your information is used strictly for business purposes. Franklin Bank employees are trained

to respect your privacy concerns and to safeguard your personal information. Furthermore,

as technology advances, Franklin Bank is continuously modifying its physical, electronic,

and procedural safeguards to ensure compliance with federal and state standards and

to protect your nonpublic personal information.

Franklin Bank is committed to protecting customers and guests who visit our website

at franklinbank.net. Accordingly, our website uses a variety of advanced Internet

security technology, including the encryption of information that is transmitted while

accessing account information over the Internet.

Additionally, authentication is required when using online services to validate your identity

using your Social Security Number or card number along with the password you have

selected. We may collect data from your online visits, to display information more effectively

to you and to allow customization of your website experience. This data is encrypted for our

use only and protected from third party access.

We also want to provide you with information about identity theft, fraud, and online

threats. Our website at franklinbank.net will occasionally have educational materials

on topics such as email scams, Internet auction fraud, counterfeit check

overpayments, “phishing/spoofing”, and malicious software. In addition, our

website may include proactive steps that you can take to protect yourself,

as well as instructions on what to do if you become a victim of identity theft or fraud.

Franklin Bank does not disclose nonpublic personal information about our customers or former

customers to non-affiliated third parties, except as permitted by law for routine business

reasons that include, but are not limited to the following:

• Providing information to assist us in processing your applications or managing your accounts (such as automatic mortgage loan payments from your checking account).
• Protecting the integrity and security of your records including prevention of fraud and unauthorized transactions (such as credit card companies).
• Reporting to consumer reporting agencies.
• Complying with federal, state, or local laws, rules and other applicable legal requirements (such as a subpoena, garnishment or court order).

In accordance with the USA PATRIOT Act, Federal law requires all financial

institutions to obtain, verify, and record information that identifies each individual

or entity opening an account. This includes all personal and commercial accounts,

including loan and deposit accounts, as well as trust, brokerage, insurance, and

investment management accounts.

What This Means To Our Customers

When you open an account, you will be asked for your name, address, social security

or tax identification number, date of birth (if applicable), and other information that will

allow Franklin Bank to identify you. You will also be asked to furnish your driver’s license

or other identifying documents. We are required to follow this procedure each time

an account is opened, even if you are a current customer of Franklin Bank.