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rev. 6/2021

Privacy Policy

Why? 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.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
▪ Social Security number and transaction history
▪ credit scores and income
▪ credit history and account balances
When you are no longer our customer, we continue to share your information as described in this notice.
How? 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 IBC Bank & Commerce Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does IBC BANK & COMMERCE BANK share? Can you 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
Yes No
For our marketing purposes—
to offer our products and services to you
Yes No
For joint marketing with other financial companies Yes No
For our affiliates' everyday business purposes—
information about your transactions and experiences
Yes No
For our affiliates' everyday business purposes—
information about your creditworthiness
Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you Yes Yes
Questions? Go to:

Mail-in Form
Mark any/all you want to limit:
▢ Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

▢ Do not allow your affiliates to use my personal information to market to me.

▢ Do not share my personal information with non-affiliates to market their products and services to me.
City, State, Zip
Account #/ Ln #  
Mail to:

International Bank of
Commerce/Commerce Bank
c/o Dennis E. Nixon,
President, International
Bancshares Corp.
P.O. Drawer 1359
Laredo TX 78041
Who we are  
What we do  
How does IBC & COMMERCE BANK protect my personal information? 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.

We train our employees in the proper handling of personal information. We require companies that help provide our services to you to protect the confidentiality of personal information they receive.
How does IBC & COMMERCE BANK collect my personal information? We collect your personal information, for example, when you
▪ open an account or apply for a loan
▪ apply for insurance or show your driver's license
▪ use your credit or debit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing? 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 non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
Our affiliates include companies with a common corporate identity of International Bancshares Corporation; financial companies such as IBC Bank, Commerce Bank, and IBC Insurance Agency Ltd.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Non-affiliates we share with can include financial services companies, or insurance companies.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Our joint marketing partners include financial services companies.